Commercial Relationship Manager

Oregon Pacific Bank•Medford, OR

53d•Hybrid

About The Position

The Commercial Relationship Manager is responsible for developing new business by contacting prospects and clients to meet loan growth and profitability goals. This role involves interviewing loan applicants, analyzing financial data to determine creditworthiness, and establishing loan terms. The manager will also manage existing loans, monitor repayment activities, and advise clients on financial matters. Additionally, the role requires cross-selling Bank services, participating in community affairs, and adhering to all Bank compliance policies and federal and state banking regulations.

Requirements

Bachelor’s Degree in Business, Finance, or related area
Typically requires 5 or more years of prior commercial lending experience
Strong credit and analytical skills
Knowledge of Bank services
Solid knowledge of banking regulations, compliance issues and Bank policies
Familiarity and experience with a variety of financial institution concepts, practices and procedures
Solid understanding of Generally Accepted Accounting Principles and Tax Accounting
Understanding of complex commercial and consumer lending terms and documentation
Excellent and effective written and verbal communication skills
Competency in providing exemplary internal/external client and customer services in a professional manner and with tact and diplomacy
Ability to be detail oriented with good problem-solving skills
Ability to tolerate high levels of stress
Ability to work with others in a cooperative manner that supports a team environment
Ability to lift up to 30 lbs. if necessary
Ability to work hours required to fulfill job expectations

Nice To Haves

Ability to concentrate and focus on essential functions in appropriate priority order is required.
Requires being punctual, dependable, detail oriented and responsible for work outcomes and results.
Requires sitting for long periods and traveling to other departments and locations, as needed.
Requires contact with others by telephone conversations, use of electronic mail, and face-to-face discussions.
Requires completion of assigned on-line training courses with a passing percentage.
Professional environment requiring appropriate professional demeanor and attire.
Work is performed indoors in environmentally controlled conditions.

Responsibilities

Develop new business by contacting prospects and clients in order to meet loan growth and profitability goals
Interview loan applicants and collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements
Collect and analyze information that reflects the current creditworthiness of clients and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview
Analyze highly complex credit requests that may include: commercial real estate, asset-based lending, commercial lending and general lending to business and professional clients
Responsible for timely submission of all financial data to the Credit Analyst
Ensure timely and thorough monitoring of all credits through periodic reviews, continual analysis and proper documentation
Manage existing loans. Monitor loan repayment activities and take necessary action to collect from past due accounts (except special assets). Report on classified loans to the Chief Credit Officer periodically
Remedy deficiencies when appropriate
Advise clients, where possible, on business management and financial matters
Meet loan growth and profitability goals. Develop new business by contacting prospects, clients and customers
Cross-sell Bank services to other departments as well as OPB Trust and OPWM
Undertake special projects relating to departmental services
Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities
Conduct business and work relationships in a consistently ethical, professional, and courteous manner
Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position
Follow all Bank compliance policies and procedures relating to this position
Other duties as assigned to meet client and operational needs