Relationship Manager - Team Leader - CRE

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees’ experience.

POSITION OVERVIEW:

Under general direction, this CRE position is responsible for the origination, evaluation, and structuring of complex loan requests and transactions. Additional responsibilities include managing the activities and assisting in the development of assigned Relationship Managers, portfolio management and cross-selling other Bank products and increasing the Bank’s visibility in the marketplace.

KEY RESPONSIBILITIES:

• Solicits credit-worthy potential and existing customers in an effort to develop new business
• and increase or retain existing business within the framework of the policy and procedures
• of the Bank. Promotes profitable growth of the loan portfolio and maximum customer responsiveness
• Oversees the preparation of loan presentations including detailed financial analysis and assessment of borrower's financial capability and creditworthiness.
• Assesses lending risks, identify offsetting mitigates, makes recommendations on loan structure displaying sound credit judgment.
• Establishes and promotes customer and community relationships; cross sells other Bank’s products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
• Manages activities and contributes to the development of assigned Relationship Managers/Portfolio Managers. Participates in joint calling efforts and business development; assists in sound loan structuring and transaction analysis.
• Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
• Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
• Supervises Relationship Managers. Carries out supervisor responsibilities in accordance with the bank's policies. This includes interviewing, hiring, training and managing employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees and addressing and resolving employee complaints and concerns.

MINIMUM QUALIFICATIONS:

• Bachelor’s degree
• 10 - 15 years work experience
• Comprehensive financial analysis experience.
• Comprehensive knowledge of underwriting techniques.
• Proven new business track record.
• Strong oral, written, communicative and management skills.
• Proficient with software programs (Microsoft Word, Excel and Argus).

WORKING CONDITIONS

Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.

• Prolonged sitting
• Lifting from 5 to 10 lbs. (printer paper, storage boxes)
• Occasional bending or overhead lifting (storing files or boxes)
• The hazards are mainly those present in a normal office setting.

This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.

Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

Pay Details:

$162,300-$255,500 annually

Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.

This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.

Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank’s Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.