Commercial Banking - Relationship Manager

Description:

About Northwest Bank

Northwest Bank serves the business and professional communities of Idaho, Oregon, Utah, and Washington. We were founded in 2008 on the idea that experience and exceptional service matter and should be expected, and that banks should be strong partners with their customers in finding creative financial solutions that work.

To achieve that goal, we need great Relationship Managers on our team. People who share that vision and our values, who know their customers and work hard for their benefit, and lead the whole team to deliver successful financial solutions.

Job Overview

The Relationship Manager (RM) leads the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure customer satisfaction. They are a master at identifying customer needs, analyzing financial data, and creating original financial solutions meeting the client’s goals. They create new business by developing trusted customer relationships which nurture referrals, and engaging persistently in business development. They are a team leader, working across internal organizations to help others perform their role effectively and to the client’s benefit.

Salary:

$120,000 - $170,000 DOE

Requirements:

Essential Duties & Responsibilities

Being a Relationship Manager means providing the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.

Do you have the experience and know-how to creatively develop and expand customer relationships?

• Take the time to 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.

Minimum 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

Salary

$120,000 - $170,000 DOE

Benefits

Northwest Bank also offers a competitive benefits package with a wide range of offerings, including:

Health Benefits: We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner.

Short-Term Disability, Long-Term Disability and Life Insurance.

Employee Assistance Program.

Retirement Plans: 401k.

Paid Time Off: Employees accrue 21 days of paid time off annually with increases at five years of service.

Holidays: We observe 11 paid holidays per year.

ORCA Card: All full-time employees will receive an ORCA card at no cost.

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.