Commercial Banking - Relationship Manager

Northwest Bank • Boise, ID

326d

About The Position

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. 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.

Requirements

• 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

• Provide timely, responsive and exceptional service to the Bank’s customers.
• Understand the client’s business, industry and leadership.
• Identify financial outcomes that enhance the client’s success.
• Develop creative, sound and effective financial solutions.
• Interview potential clients and accept credit applications.
• Review applications and credit histories.
• Analyze credit reports and financial information.
• Evaluate existing and projected company cash flow.
• Determine value of collateral and 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.
• Engage with customers and assess client needs persistently.
• Identify potential gaps in service and products and communicate internally.
• Communicate with bank management about overall portfolio health and growth opportunities.
• Monitor loans through periodic reviews and documentation.
• Review maturing loans, loan extensions and construction draws.
• Resolve customer payment issues.
• Maintain credit files including memos updating the status of the client relationship.
• Develop new sources of business proactively and independently.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree