We are building out our Middle Market Lending Team in Central NJ, South NJ, Philly and sourrounding PA markets. 

 

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 position requires strong credit acumen, sound judgment, and the ability to serve as a trusted financial advisor to sophisticated middle market clients.

KEY RESPONSIBILITIES

 

Business Development & Relationship Management

• 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.

 

Credit Analysis & Loan Structuring 

• 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.

 

Portfolio Management & Risk Oversight

• 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.

 

Collaboration & Leadership 

• 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.

 

WORK EXPERIENCE:

• Minimum of 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)

 

Work is performed in a normal office environm