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Company Overview 

Provident Bank was founded in 1839 and has served more than eight generations of customers.Provident merged with First Sentinel Bancorp (First Savings Bank) in 2004 and immediately acquired a commanding presence in the growing central New Jersey market, particularly Middlesex County. In 2007, Provident acquired First Morris Bank and Trust, gaining nine additional branches in Morris County. Provident continues to seek new ways to provide its business and personal banking customers with the products and services they need to manage their financial resources in an increasingly complex environment.

 

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Relationship Manager - Business Banking Apply for this job now!
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Job Description 

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.

 

       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.

 


Job Requirements 

  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 Accounting, Finance or Business Administration

 

  WORK EXPERIENCE

       5 to 10 years experience as a Relationship Manager with credit training or experience in  a banking environment.

 

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.

 

Provident Bank offers a competitve salary and benefits program that inludes 401K, ESOP, and more.

 

Resumes will only be accepted in Word.doc format

 

Please include salary requirements. 

 

Equal Opportunity Employer

M/F/D/V

 

 

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