Assistant Relationship Manager

Northwest Bank•Boise, ID

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 on existing and prospective customers and portfolios; prepares timely financial analyses and credit memorandums; and makes recommendations about extending credit. The role also develops discussion points and questions for 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. The ARM investigates credit reports; spreads and analyzes financial statements and projected cash flow; coordinates and reviews reports relevant to lending and collateral; prepares credit memorandums and underwriting recommendations; and helps maintain customer files and current financial information. The position supports loan monitoring, compliance, collections, customer meetings, loan applications, marketing efforts, and other activities as requested. It also requires maintaining knowledge of banking regulations and bank products and services.

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 and collaboration and productivity tools, including Windows-based operating systems and office suites such as Microsoft Word, Outlook, Excel, and PowerPoint; spreadsheet applications for organizing data used in 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.

Responsibilities

Perform assigned duties in accordance with the Bank’s Mission, Vision, and Core Values, and provide timely, responsive, 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 appraisal, and collateral examination reports.
Develop a list of key information needed to support the loan approval process.
Prepare detailed Credit Memorandums with defined Credit Quality Expectations in accordance with 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 an important part of the Relationship Management team.
Attend customer meetings and take notes to assist with underwriting and risk evaluation when requested by the Relationship Manager.
Work with loan applicants to ensure loan packages are complete when requested by the Relationship Manager.
Participate in credit training to remain current on standards and expectations.
Assist in preparing Preflights and LOIs when requested by the Relationship Manager.
Review portfolio reports to stay informed about workflow, maturing loans, potential extension needs, and covenant compliance.
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 bank products and services.
Perform other duties as assigned.