Strategic Commercial Banking Relationship Manager

Northwest Bank; Lake Oswego (OR); On-site; USD 85,000 - 125,000; Full time

Benefits offered by this job

Competitive Compensation Package

Medical, Dental, and Vision

Health Savings Account (HSA)

Flexible Spending Accounts (FSA)

401(k) plan with company match

Generous PTO & Holidays

Job summary

Northwest Bank is seeking a Relationship Manager to lead the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure client satisfaction. You will identify client needs, analyze financial data and craft creative financial solutions that meet their goals.

You will collaborate across internal teams to drive business development, manage credit applications and ensure high-quality loan processing while representing Northwest Bank’s products and solutions to

Qualifications

• Relevant undergraduate degree or equivalent experience.
• Minimum 5 years of experience in commercial lending.
• Proven business development skills.
• Thorough knowledge of credit services and other banking services.
• Thorough knowledge of lending policies and procedures.
• Thorough knowledge of business cash flow.
• Computer skills including Windows-based software, word processing and spreadsheet applications, internet usage, electronic mail, and bank software.
• Effective oral and written communication skills.

Responsibilities

• Understand the client’s business, industry and leadership.
• Clearly identify financial outcomes that enhance the client’s success.
• Develop financial solutions that are creative, sound and effective.
• Ensure every deal is executed with high quality, quickly and fairly.
• Interview potential clients and accept credit applications.
• Review applications and credit histories.
• Review and analyze credit reports and financial information.
• Evaluate existing and projected company cash flow.
• Determine value of collateral; review independent appraisal reports.
• Approve or reject credit applications within bank standards.
• Prepare detailed loan presentations on new credit applications.
• Monitor loan documentation and processing.
• Frequently engage with customers, persistently assess client needs and offer solutions.
• Identify potential gaps in service and products, and communicate internally to identify opportunities for growth as well as competitive differentiation.
• Communicate with bank management about overall portfolio health, opportunity for growth, retention risks.
• Follow through on agreements by monitoring loans through periodic reviews and documentation.
• Review maturing loans, loan extensions and construction draws.
• Resolve customer payment issues.
• Properly maintain credit files including file memos updating the status of the client relationship.
• Work proactively and independently to develop new sources of businesses.
• Leverage market insight to target and engage potential customers.
• Respond to inquiries regarding business and consumer credit and deposit products.
• Effectively represent Northwest Bank products and solutions.

Skills

Commercial lending

Business development

Credit analysis

Customer relationship management

Financial statements

Education

Bachelor's degree or equivalent experience

Job description

Northwest Bank is seeking a Relationship Manager to lead the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure client satisfaction. You will identify client needs, analyze financial data and craft creative financial solutions that meet their goals.

You will collaborate across internal teams to drive business development, manage credit applications and ensure high-quality loan processing while representing Northwest Bank’s products and solutions to