Demo

Relationship Manager III - Middle Market Lending

Provident Bank
Manahawkin, NJ Full Time
POSTED ON 12/25/2024 CLOSED ON 1/13/2025

What are the responsibilities and job description for the Relationship Manager III - Middle Market Lending position at Provident Bank?

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 SUMMARY:

This position is responsible for origination, evaluation and structuring of complex loan requests and transactions. Additional responsibilities will include 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 presentation including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.
  • Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.
  • Establishes and promotes customer and community relationships; cross sell other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
  • Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
  • Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
  • Mentor the junior Relationship Managers on the team

MINIMUM QUALIFICATIONS:

  • Bachelor’s degree in Accounting, Finance or Business Administration
  • Minimum 10 years’ experience commensurate with job function
  • Comprehensive loan analysis experience.
  • Comprehensive financial analysis experience.
  • Comprehensive knowledge of underwriting techniques.
  • Proven new business track record.
  • Strong oral, written and communication and management skills.
  • Proficient with software programs (Microsoft Word and Excel).

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.

Mon, 23 12 2024 00:00:00 GMT VP, Branch Manager - Manahawkin - Full-time https://careers.provident.bank/job/Manahawkin-VP,-Branch-Manager-Manahawkin-Full-time-NJ/1245003700/?feedId=299700&utm_source=LinkedInJobPostings&utm_campaign=ProvidentBank_Linkedin Provident Bank Manahawkin NJ US Manahawkin, NJ, US Retail Banking Full-Time 37358-en_US

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:

The Branch Manager is a dynamic role, responsible for the growth of consumer and business customer relationships and the administration and daily operation of a retail branch office, this includes, but is not limited to: operations and risk management (ensuring adherence to internal controls), lending, product sales, customer service, performance management, and security and safety in accordance with the Bank’s objectives. The Branch Manager provides leadership to the branch and team members, which will result in attainment of the branches objectives and goals and associate development. Such objectives include maintaining, expanding, and developing internal and external customer relationships, individual account profitability, relationship profitability, deposit growth, retail, small business and commercial loan growth, non-traditional product sales, and the cross-selling of other financial products and services.

KEY RESPONSIBILITIES:

  • Achieve all assigned goals. Monitor all sales related goals for all branch team members and provide coaching as needed in the area of sales skills, recognizing opportunities while dealing with customers and prospective customers. Conduct a minimum of one weekly team huddle and one weekly team meeting focused on sales activities and results.
  • Manage and perform external sales calling program.
  • Provide positive leadership, mentorship and inspire all branch employees to reach their full potential.
  • Participate in professional leadership development courses and product/service training to ensure skills are maintained and strengthened.
  • Responsible for the quality of service provided by branch team members; ensuring exceptional customer service is consistently delivered and exceeds expectations. Validation via customer satisfaction surveys.
  • Participate in local community events including membership in local organizations such as Rotary Club, Chamber of Commerce, etc.
  • Work in conjunction with the Assistant Branch Manager to provide day-to-day direction to branch staff in all aspects of branch operations. Ensure that branch team members operate within established policies and procedures of the Bank and government regulations. Work in conjunction with Assistant Branch Manager to ensure all required reports are submitted completely and in a timely manner.
  • Works with the Assistant Branch Manager to carry out supervisory responsibilities in accordance with the Bank's policies and applicable laws and regulations. Responsibilities may include but are not limited to interviewing, hiring and training employees; planning, assigning and directing work; performance appraisals, recognizing and developing employees; addressing complaints/situations, resolving problems and providing constructive feedback and corrective action as needed.
  • Responsible for all risk management-related issues related to the branch.
  • Perform additional duties as required or assigned
  • Carries out supervisory responsibilities in accordance with the organization'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:

  • High School Diploma or GED
  • 7 years management experience in a sales and service environment
  • Business development experience, with strong community ties within the general area of the assigned branch location.
  • Demonstrate positive and professional client and employee centric and service-oriented attitude.
  • Clearly communicates a vision and removes barriers for team success
  • Proven ability to meet sales targets and production goals
  • Excellent written and verbal communication skills with the ability to communicate clearly and appropriately at all levels of the organization.
  • Highly organized. Ability to plan and complete multiple priorities with competing deadlines
  • Knowledgeable of banking operational processes and how they relate to Federal Regulations and Laws.
  • Ability to work a flexible schedule based upon the needs of the business and attend after hours Bank, community and philanthropic events.

PREFERRED QUALIFICATIONS:

  • Bachelor’s Degree in Business Administration or related field preferred.

LICENSES AND/OR CERTIFICATES:

  • Will be required to register as a mortgage loan originator with the NMLS prior to being allowed to take mortgage loan applications, negotiate or extend terms of a mortgage or other loan secured by a residence.
  • Life and Health Licenses to support investment program (preferred)

TRAVEL REQUIREMENTS:

  • Eg. May require travel between Customer sites, Provident Offices, or Branches

WORKING CONDITIONS:

Retail Banking Branch Areas

Work is mainly performed under general office conditions in a retail-banking establishment. Willing and able to work required overtime. Willing and able to travel to other locations/branches. Must be flexible and demonstrate the ability to adapt to new job locations and reassignments as directed.

  • Lifting from 5 to 25 lbs. (Coins)
  • Prolonged sitting/standing
  • Occasional bending or stooping (To retrieve coins from individual vault)

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

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.

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:

The Branch Manager is a dynamic role, responsible for the growth of consumer and business customer relationships and the administration and daily operation of a retail branch office, this includes, but is not limited to: operations and risk management (ensuring adherence to internal controls), lending, product sales, customer service, performance management, and security and safety in accordance with the Bank’s objectives. The Branch Manager provides leadership to the branch and team members, which will result in attainment of the branches objectives and goals and associate development. Such objectives include maintaining, expanding, and developing internal and external customer relationships, individual account profitability, relationship profitability, deposit growth, retail, small business and commercial loan growth, non-traditional product sales, and the cross-selling of other financial products and services.

KEY RESPONSIBILITIES:

  • Achieve all assigned goals. Monitor all sales related goals for all branch team members and provide coaching as needed in the area of sales skills, recognizing opportunities while dealing with customers and prospective customers. Conduct a minimum of one weekly team huddle and one weekly team meeting focused on sales activities and results.
  • Manage and perform external sales calling program.
  • Provide positive leadership, mentorship and inspire all branch employees to reach their full potential.
  • Participate in professional leadership development courses and product/service training to ensure skills are maintained and strengthened.
  • Responsible for the quality of service provided by branch team members; ensuring exceptional customer service is consistently delivered and exceeds expectations. Validation via customer satisfaction surveys.
  • Participate in local community events including membership in local organizations such as Rotary Club, Chamber of Commerce, etc.
  • Work in conjunction with the Assistant Branch Manager to provide day-to-day direction to branch staff in all aspects of branch operations. Ensure that branch team members operate within established policies and procedures of the Bank and government regulations. Work in conjunction with Assistant Branch Manager to ensure all required reports are submitted completely and in a timely manner.
  • Works with the Assistant Branch Manager to carry out supervisory responsibilities in accordance with the Bank's policies and applicable laws and regulations. Responsibilities may include but are not limited to interviewing, hiring and training employees; planning, assigning and directing work; performance appraisals, recognizing and developing employees; addressing complaints/situations, resolving problems and providing constructive feedback and corrective action as needed.
  • Responsible for all risk management-related issues related to the branch.
  • Perform additional duties as required or assigned
  • Carries out supervisory responsibilities in accordance with the organization'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:

  • High School Diploma or GED
  • 7 years management experience in a sales and service environment
  • Business development experience, with strong community ties within the general area of the assigned branch location.
  • Demonstrate positive and professional client and employee centric and service-oriented attitude.
  • Clearly communicates a vision and removes barriers for team success
  • Proven ability to meet sales targets and production goals
  • Excellent written and verbal communication skills with the ability to communicate clearly and appropriately at all levels of the organization.
  • Highly organized. Ability to plan and complete multiple priorities with competing deadlines
  • Knowledgeable of banking operational processes and how they relate to Federal Regulations and Laws.
  • Ability to work a flexible schedule based upon the needs of the business and attend after hours Bank, community and philanthropic events.

PREFERRED QUALIFICATIONS:

  • Bachelor’s Degree in Business Administration or related field preferred.

LICENSES AND/OR CERTIFICATES :

  • Will be required to register as a mortgage loan originator with the NMLS prior to being allowed to take mortgage loan applications, negotiate or extend terms of a mortgage or other loan secured by a residence.
  • Life and Health Licenses to support investment program (preferred)

TRAVEL REQUIREMENTS :

  • Eg. May require travel between Customer sites, Provident Offices, or Branches

WORKING CONDITIONS:

Retail Banking Branch Areas

Work is mainly performed under general office conditions in a retail-banking establishment. Willing and able to work required overtime. Willing and able to travel to other locations/branches. Must be flexible and demonstrate the ability to adapt to new job locations and reassignments as directed.

  • Lifting from 5 to 25 lbs. (Coins)
  • Prolonged sitting/standing
  • Occasional bending or stooping (To retrieve coins from individual vault)

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

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.
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