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Middle Market Lending Jobs (NOW HIRING)

We are looking for experienced middle-market C&I lending professionals to join the team. Ideal candidates will have: โ€ข Formal credit training โ€ข 5+ years of experience in small to middle-market ...

We are looking for experienced middle-market C&I lending professionals to join the team. Ideal candidates will have: โ€ข Formal credit training โ€ข 5+ years of experience in small to middle-market ...

Director of ESOP Lending

OR ยท Remote

$124K - $170K/yr

Experience with ESOPs or complex middle-market lending structures. * Proven ability to source, manage, and close complex transactions. Experience & Education Preference * Prior ESOP lending or ...

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Middle Market Lending information

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How much do middle market lending jobs pay per hour?

As of Aug 5, 2026, the average hourly pay for middle market lending in the United States is $13.95, according to ZipRecruiter salary data. Most workers in this role earn between $13.46 and $15.14 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in middle market lending, and why are they important?

To thrive in Middle Market Lending, you need expertise in credit analysis, financial statement interpretation, and a solid understanding of lending policies, often supported by a finance or business degree. Familiarity with loan origination systems, risk assessment tools, and regulatory compliance platforms is typically required. Strong relationship-building, negotiation, and communication skills help professionals excel in client interactions and deal structuring. These competencies are crucial to accurately assess risk, build trust with clients, and drive successful lending outcomes in a competitive market.

What is middle market lending?

Middle market lending refers to providing loans and other financial services to mid-sized companies, typically those with annual revenues between $10 million and $1 billion. These businesses are larger than small enterprises but not as big as large corporations, often requiring specialized financing solutions for growth, acquisitions, or working capital. Middle market lenders may include banks, credit unions, and specialized finance companies, and they assess factors such as company performance, industry risks, and collateral before extending credit.

What is the difference between Middle Market Lending vs Commercial Banking?

AspectMiddle Market LendingCommercial Banking
CredentialsTypically requires finance, accounting, or business degrees; certifications like CFA are commonSimilar educational background; certifications like CFA or CPA are advantageous
Work EnvironmentFocused on providing loans to mid-sized companies; often involves deal structuring and credit analysisServes a broad range of clients, including individuals and small to large businesses; offers various banking services
Employer & Industry UsageUsed by specialized lenders, investment banks, and regional banksUsed by large national and regional banks across multiple sectors

Middle Market Lending and Commercial Banking both involve financial services but differ mainly in client focus and deal size. Middle Market Lending concentrates on providing loans to mid-sized companies, often requiring specialized credit analysis, while Commercial Banking serves a wider range of clients with diverse banking products. Understanding these differences helps professionals choose the right career path or service focus.

What are some common challenges faced in middle market lending and how can professionals effectively navigate them?

Professionals in middle market lending often encounter challenges such as evaluating complex financial statements, balancing client needs with risk management, and staying updated on market trends affecting mid-sized businesses. Building strong relationships with clients and internal credit teams is essential to ensure successful deal structuring and approval. Effective communication, continuous learning, and adaptability are key to managing these challenges and advancing in this dynamic field.
More about Middle Market Lending jobs
What states have the most Middle Market Lending jobs? States with the most job openings for Middle Market Lending jobs include:
Infographic showing various Middle Market Lending job openings in the United States as of July 2026, with employment types broken down into 99% Full Time, and 1% Part Time. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $29,016 per year, or $13.9 per hour.

Portfolio Manager III- Middle Market

Provident Bank

Iselin, NJ โ€ข On-site

$123K - $177K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago


Job description

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience.
POSITION SUMMARY:
Provident Bank is seeking an experienced Portfolio Manager III to support a portfolio of Middle Market Lending relationships. This role is responsible for managing the ongoing credit and portfolio administration needs of commercial clients while partnering closely with Relationship Managers to strengthen client relationships, support growth opportunities, and maintain the overall quality of the loan portfolio. The position also plays a key role in underwriting, financial analysis, credit recommendations, risk assessment, and portfolio monitoring.
KEY RESPONSIBILITIES:
Portfolio Management
  • Manage assigned Middle Market commercial relationships, including retention, expansion, and client service in partnership with Relationship Managers.
  • Monitor portfolio performance, credit quality, covenant compliance, risk ratings, delinquency trends, and emerging issues.
  • Prepare annual reviews, renewals, modifications, and ongoing portfolio analyses.

Credit Analysis & Underwriting
  • Prepare comprehensive credit memorandums and loan presentations for new and existing borrowing relationships.
  • Analyze financial statements, cash flow, repayment capacity, and borrower/guarantor strength.
  • Assess lending risks, identify mitigating factors, and support structuring and underwriting in accordance with bank policy and credit standards.

Relationship Support
  • Serve as a trusted partner to Relationship Managers and internal business partners.
  • Participate in customer calls, portfolio strategy discussions, and new business opportunities.
  • Support a seamless credit process while maintaining strong relationships with Credit Administration, Loan Operations, Compliance, and key stakeholders.

Additional Responsibilities
  • Participate in special projects and strategic initiatives as assigned.
  • Maintain a thorough understanding of commercial lending practices, credit policy, and regulatory requirements.
  • Contribute to process improvements and operational efficiency initiatives.

MINIMUM QUALIFICATIONS:
  • Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline.
  • 8+ years of commercial banking, credit, underwriting, or portfolio management experience.
  • Strong financial statement analysis and commercial credit underwriting skills.
  • Knowledge of commercial lending products, credit risk management, and portfolio administration.
  • Strong analytical, verbal, and written communication skills.
  • Proficiency in Microsoft Office, particularly Excel and Word

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.
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.
Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.
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.
Pay Details:
$123,900 - $177,000 annually
Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.
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?
  1. We get to volunteer in areas that are meaningful to the bank and impactful in the community.
  2. 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.