Relationship Manager, C&I Lending - Westchester County Expansion

Relationship Manager, C&I Lending - Westchester County Expansion

Provident Bank is expanding into Westchester County, NY, and we are building a high-performing Commercial Banking team to support this growth. We are seeking experienced Commercial Relationship Managers to join the excitement. This role is a key hire as we expand our presence and deepen relationships in the market. The Relationship Manager for C&I is responsible for originating, structuring, and managing complex commercial and industrial lending relationships within the middle market segment.

This role focuses on driving new business development, expanding existing client relationships, and delivering tailored C&I financing solutions to meet the working capital, growth, and operational needs of clients. The Relationship Manager serves as a trusted advisor to business owners, CFOs, and executive leadership teams, leveraging strong credit acumen and sound judgment to structure solutions including revolving credit facilities, term loans, and asset-based lending.

This individual is accountable for portfolio performance, revenue generation, and maintaining strong credit quality, while enhancing the Bank's visibility and presence within the C&I market.

Key Responsibilities:

• Build and manage long-term client relationships, serving as a trusted advisor to business owners, C-suite executives, and Centers of Influence.
• Drive new business growth by sourcing, acquiring, and expanding relationships with creditworthy clients in alignment with bank policies and procedures.
• Identify and execute cross-sell opportunities across deposits, Treasury Management, Wealth Management, and other bank products and services.
• Oversee loan origination process, including financial analysis, creditworthiness assessment, and preparation of loan presentations.
• Evaluate lending risk, identify mitigants, and recommend appropriate loan structures demonstrating sound credit judgment.
• Manage assigned loan portfolio with a focus on credit quality, covenant compliance, and delinquency control.
• Ensure timely and compliant execution and closing of loan transactions in accordance with approved terms.
• Partner with internal stakeholders (Credit, Treasury Management, Operations, Risk) to deliver a seamless client experience.
• Maintain awareness of market trends, competitive landscape, and industry risks to inform business strategy.
• Support team development by mentoring junior relationship managers and credit staff.

Minimum Qualifications:

• Bachelor's degree in accounting, Finance or Business Administration
• 5 - 10 years of progressive commercial lending experience and credit exposure.
• 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:

• 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.

Pay Details: $154,000 - $200,000 annually