Commercial Banking CRE & Construction Credit Analyst – Assistant Relationship Manager

Northwest Bank; Lake Oswego (OR); On-site; USD 65,000 - 90,000; Full time

Job summary

Northwest Bank in Lake Oswego, OR is seeking an ARM to support Relationship Managers in managing client relationships and the credit workflow. The role involves gathering and interpreting credit information and producing timely analyses to aid loan decisions.

You will prepare detailed credit memos, collaborate with Loan Coordinators, and help monitor portfolios while ensuring compliance with bank policies and regulatory requirements. Strong communication and analytical skills are essential.

Qualifications

• Bachelor's degree in Business, Finance, or related area.
• 1 year of experience in credit analysis and/or lending activities.
• Proficient with bank software and office tools.

Responsibilities

• Assist in credit analyses and memos for loan approvals.
• Spread and analyze financial statements to evaluate cash flow.
• Prepare detailed credit memos with risk ratings.
• Support loan closing and monitoring of the portfolio.
• Maintain customer files and compliance with bank policies.
• Attend customer meetings and assist in underwriting.

Skills

Credit analysis

Analytical skills

Financial statement analysis

Oral and written communication

Time management

Microsoft Excel

Education

Bachelor's degree in Business/Finance

Tools

Moodys

Bukers

Job description

Job Overview

The ARM supports Relationship Managers (RMs) in managing client relationships and credit workflow. The ARM conducts credit analyses including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. The ARM provides timely, accurate financial analysis and makes recommendations regarding the extension of credit (via credit memos); develops key discussion points and questions to assist in analyzing loan opportunities; works with RMs, Loan Coordinator and customers to close loans and/or assist in monitoring and administering the loan portfolio in accordance with loan approval as necessary / requested.

Essential Duties & Responsibilities

• Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards.
• Adhere to defined Service Level Agreements, both internal and external.
• Investigate, interpret and analyze credit reports.
• Spread and analyze financial statements and information to evaluate existing and projected company cash flow.
• Work with Loan Coordinator to order all necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
• Review all necessary reports, including title, independent appraisal and collateral exam.
• Develop list of key information necessary to support the loan approval process.
• Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval.
• Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate.
• Assist in monitoring loans through timely collection of financial information / tickler management.
• Assist in the creation and maintenance of customer files within defined bank standards.
• Review financial information for loan compliance to maximize credit quality and minimize risk and potential loss.
• Assist RM and Loan Coordinator with maintaining current financial information consistent with loan approval and ensure maintenance of the credit file.
• Serve as an important part of the Relationship Management team.
• As requested by RM, attend customer meetings and take notes to assist in underwriting and evaluating risk.
• As requested by RM, work with loan applicants to ensure loan packages are complete.
• Participate in Credit Trainings to remain current on standards and expectations.
• As requested by RM, assist in the preparation of Preflights and LOI’s.
• Review portfolio reports to be informed of workflow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
• Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM.
• Support collection of past due accounts as requested by RM.
• Assist with customer calls and marketing efforts as requested.
• Maintain knowledge of and compliance with banking regulations.
• Be knowledgeable of and able to promote all bank products and services.
• Perform other duties as assigned.

Required Qualifications

• Bachelor’s degree in Business, Finance, or related area; or equivalent work experience.
• 1 year of experience in credit analysis and/or lending activities.

Preferred Qualifications

• Developed credit analysis and analytical skills.
• Thorough understanding of business cash flow and differing legal business structures.
• Good knowledge of economics, accounting, and finance.
• Basic knowledge of risk analysis.
• Thorough knowledge of lending policies and procedures preferred.
• Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
• Experience with financial analysis software such as Moodys and Bukers.
• Effective oral and written communication and time management skills.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.