Relationship Manager, Middle Market Lending - Westchester County Expansion

About the role

Provident Bank is expanding into Westchester County, NY, and is building a high-performing Commercial Banking team to support this growth. They are seeking experienced Commercial Relationship Managers to join the excitement. This role is a key hire as they expand their Middle Market presence and deepen relationships in the market.

Responsibilities

• Originate new middle market lending relationships through proactive business development, referral generation, and community involvement.
• Build, manage, and expand long-term client relationships by serving as a trusted advisor to business owners, C-suite executives, and Centers of Influence.
• Identify and execute opportunities to cross-sell deposit, Treasury Management, Wealth Management, and other bank products and services.
• Structure and evaluate complex commercial credit opportunities.
• Oversee the preparation of detailed loan presentations, including comprehensive financial analysis, cash-flow assessment, and borrower risk evaluation.
• Assess lending risks, identify appropriate mitigating factors, and recommend credit structures that align with bank policy and sound credit practices.
• Manage all aspects of an assigned loan portfolio with a focus on credit quality, covenant compliance, policy adherence, and early identification of risk.
• Monitor portfolio performance, address emerging issues, and partner with Credit and Risk teams to resolve problem credits when necessary.
• Ensure all loan transactions are closed in strict compliance with approved terms, conditions, and regulatory requirements.
• Work closely with internal partners including Credit, Treasury Management, Operations, and Risk to deliver a seamless client experience.
• Serve as a mentor and resource for junior relationship managers and credit staff, sharing expertise and supporting team development.
• Maintain awareness of market trends, competitive dynamics, and industry risks affecting middle market borrowers.

Education

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.

Experience

• 5 - 10 years of progressive commercial lending experience, including significant middle-market relationship and credit exposure.

Skills and Training

• Demonstrated expertise in credit analysis, underwriting, loan structuring, and portfolio management.
• Comprehensive financial analysis experience.
• Proven new business track record.
• Proven track record of originating and growing profitable commercial lending relationships.
• Strong analytical, negotiation, decision-making, and risk assessment skills.
• Excellent written and verbal communication skills with the ability to present effectively to clients and internal credit committees.
• Proficient with software programs (Microsoft Word and Excel).

Working Conditions

• Prolonged sitting
• Lifting from 5 to 10 lbs (printer paper, storage boxes)
• Occasional bending or overhead lifting (storing files or boxes)

Pay

$154,000 - $200,000 annually
This role participates in a lucrative incentive plan, tied to company business and/or individual goal achievement and performance.

Benefits

• Affordable health and wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan.
• 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.