Relationship Manager III - Middle Market Lending, Northern NJ
About The Position
The Relationship Manager III – Middle Market Lending is responsible for originating, structuring, and managing complex credit relationships with middle market clients, generally privately held businesses with revenues from $100MM to $1B. This role focuses on business development, relationship management, credit quality, and risk mitigation while delivering a full banking relationship through the cross‑sale of depository, Treasury Management, Wealth Management, and other commercial products. The role serves clients across a diverse range of industry verticals, including Food & Beverage, Transportation & Logistics, Manufacturing, Distribution & Wholesale, Business Services, Heavy Contractors, Consumer & Retail, and Not-for-Profit organizations. The position requires strong credit acumen, sound judgment, and the ability to serve as a trusted financial advisor to sophisticated middle market clients.
Requirements
- Bachelor’s degree in finance, Accounting, Business Administration, or a related field.
- Minimum of 10 years of progressive commercial lending experience, including significant middle‑market relationship 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).
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.
Benefits
- Health and Wellness benefits including Medical, Dental and Vision Plans
- Flexible and Health Savings Accounts
- 401(k) Retirement Plan
- Disability Insurance
- Employee Assistance Program
- Basic Life Insurance
- Company sponsored Tuition Disbursement and Loan Repayment programs
- Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans (Voluntary benefits)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
