Assistant Relationship Manager

Northwest Bank•Seattle, WA

17h

About The Position

The Assistant Relationship Manager (ARM) supports Relationship Managers in managing client relationships and credit workflows. The ARM gathers, analyzes, and interprets credit information for existing and prospective customers and portfolios; prepares timely financial analyses and recommendations regarding credit extensions; develops discussion points and questions for evaluating loan opportunities; and works with Relationship Managers, the Loan Coordinator, and customers to close loans and, as needed, monitor and administer the loan portfolio in accordance with loan approvals.

Requirements

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

Nice To Haves

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.
Proficiency with computer, collaboration, and productivity tools, including Windows-based operating systems; Microsoft Word, Outlook, Excel, and PowerPoint; spreadsheet applications for organizing data for advanced analysis; internet and email; and bank software.
Experience with financial analysis software such as Moodys and Bukers.
Effective oral and written communication and time management skills.

Responsibilities

Perform assigned duties in accordance with the Bank’s Mission, Vision, and Core Values, providing timely, responsive, and exceptional customer service.
Adhere to internal and external Service Level Agreements.
Investigate, interpret, and analyze credit reports.
Spread and analyze financial statements and information to evaluate existing and projected company cash flow.
Work with the Loan Coordinator to order necessary reports, including UCC lien searches, title, insurance, appraisals or evaluations, environmental reports, and flood reports.
Review necessary reports, including title, independent appraisals, and collateral exams.
Develop a list of key information needed to support the loan approval process.
Prepare detailed Credit Memorandums that meet defined Credit Quality Expectations and 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 and tickler management.
Assist in creating and maintaining customer files according to bank standards.
Review financial information for loan compliance to maximize credit quality and minimize risk and potential loss.
Assist the Relationship Manager and Loan Coordinator in maintaining current financial information consistent with loan approval and maintaining the credit file.
Serve as part of the Relationship Management team.
Attend customer meetings and take notes, when requested by the Relationship Manager, to assist with underwriting and risk evaluation.
Work with loan applicants, when requested by the Relationship Manager, to ensure loan packages are complete.
Participate in credit training to remain current on standards and expectations.
Assist with preparing Preflights and LOIs, when requested by the Relationship Manager.
Review portfolio reports for workflow, maturing loans, early identification of loan-extension needs, covenant compliance, and related matters.
Analyze and recommend line draws, including Borrowing Base Certificates and Construction Draws, when requested by the Relationship Manager.
Support collection of past-due accounts when requested by the Relationship Manager.
Assist with customer calls and marketing efforts when requested.
Maintain knowledge of and compliance with banking regulations.
Know and promote the Bank’s products and services.
Perform other duties as assigned.