Relationship Manager III C&I

POSITION SUMMARY

Under general direction, 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.

MAJOR JOB 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.

• Oversee 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.

SUPERVISORY RESPONSIBILITIES

None

SKILLS AND TRAINING

• 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, Excel and Argus).

EDUCATION

Bachelor's degree in preferred

WORK EXPERIENCE

5 to 10 years' experience in commercial lending

LICENSES AND/OR CERTIFICATES

Licenses and Certifications

None

WORKING CONDITIONS

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

HAZARDS

The hazards are mainly those present in a normal office setting and those present in commuting by car.

Occasionally may be exposed to those conditions present in public forums and meeting places.

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.

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.

About Provident Bank

For more than 180 years, Provident Bank has served individuals, families, and businesses in our local communities with personal and business banking services.

Volunteering is a Way of Life

Our brand promise - "Commitment you can count on" - supports the investments we make in the community and donations made by our employees. It's a promise also reflected in the volunteerism of our employees, who lend time and talent and countless hours to assist hundreds of organizations and thousands of people and animals each year.

Why do we love it?

• We get to volunteer in areas that are meaningful to the bank and impactful in the community.

• Through generous contributions, we have raised over $912,000 in 2022. No item or donation is too small; we find a home for it all.