Relationship Manager - CRE

Washington Trust Bank Careers•Spokane, WA

3d•$81,260 - $172,220

About The Position

As a member of our Commercial Banking Team, the role serves as a proactive, client-focused trusted financial partner to clients through a seamless delivery of investment, trust, credit, and/or depository services. Participates in business development efforts by identifying referrals and prospects and calling on relationship clients/prospects to achieve sales goals. Provides premier client service while assuring bank and division profitability and asset quality standards are met. Bank Overview: Founded in 1902, Washington Trust Bank remains proudly independent. For more than 120 years, we have been focused on long-term client relationships. We dedicate our strengths as an independent regional bank to serving clients who understand the value of an established banking relationship and who seek tailored financial products and services. Our heritage and mission remain clear today: we will be the best at understanding and meeting the financial needs of our customers. Executive Chairman Peter Stanton is the fourth generation of his family to lead the Bank, growing from its small Spokane headquarters in 1902 to an $11B financial institution with 40 locations throughout Washington, Idaho and Oregon. We enjoy an advantage over our publicly traded competitors because we focus on long-term goals rather than quarterly results. We base our decisions on what is happening in our communities and what is right for our customers. We have never strayed from our commitment to client service, continuing to grow our commercial, private banking, wealth management, small business and consumer portfolios even in the most challenging macroeconomic environments. Our sound business practices, innovation, knowledge and expertise have seen us through both the best and the most difficult economic cycles. Washington Trust’s longevity and success are a testament to our unwavering commitment to our clients and our employees. CRE Industry Focus: Construction and term loan experience within multiple CRE asset classes including: Office Retail Industrial Multifamily Owner Occupied Collaborating with internal Commercial Lender colleagues on assisting bank clients with owner and non-owner occupied construction needs. Collaborating with CRE Servicing Group daily to assure client driven timelines are being met. Understanding industry contacts within secondary market and brokerage industries. Understanding low-income financing including LIHTC and other subsidized financing structures. Experience working with internal and external legal counsel to negotiate loan documents if/when required by Borrower. Relationship Management/Client Service: Maintains responsibility for retaining and expanding a specific book of relationships, understanding the intricacies of each relationship to provide superior service to Bank clients. Deliver personalized banking strategies that align with client objectives, enhancing their business operations through our comprehensive suite of banking services. Sales/Business Development: Proactively investigates opportunities for expanding market share and making business more profitable, focusing on identifying prospective clients and additional banking needs among current clients. Identifies opportunities and continually prospects for new clients. Generates leads through existing relationships and other referrals sources. Risk Management: Controls and minimizes potential risks through proactive relationship management and thorough knowledge of compliance and risk management. Keeps abreast of applicable laws and regulations relevant to banking services.

Requirements

Understanding of commercial real estate lending principles, especially construction and ownerâ occupied financing.
Awareness of construction draw processes.
Exposure to construction loan underwriting.
Ability to work with clients as a trusted advisor, with moderate to complex credit needs.
Excellent relationship management skills required, along with a strong credit background and business development acumen.
Experience in the sales of cash management products or related sales experience at a financial institution.
Work experience in relationship management, including experience in specific unit areas like investment, securities, cash management, real estate, commercial lending, and consumer lending.
Knowledge of Bank lending procedures, as set by the current, published Loan Policy.
Advanced loan documentation knowledge; understanding of complex credit structures and documentation.
Working knowledge of Bank products and services.
Proven analytical skills; ability to review and interpret complex data (determining risk, assessing complexity of accounts, etc).
Excellent written and verbal communication skills; ability to analyze, synthesize and articulate complex ideas and communicate such to colleagues, team members, and clients.
Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for results, and developing working relationships with potential and current clients.
Ability to set and achieve challenging goals.
Bachelor’s Degree in Finance, Accounting, Business or equivalent experience.

Responsibilities

Participates in business development efforts by identifying referrals and prospects and calling on relationship clients/prospects to achieve sales goals.
Provides premier client service while assuring bank and division profitability and asset quality standards are met.
Construction and term loan experience within multiple CRE asset classes including: Office Retail Industrial Multifamily Owner Occupied
Collaborating with internal Commercial Lender colleagues on assisting bank clients with owner and non-owner occupied construction needs.
Collaborating with CRE Servicing Group daily to assure client driven timelines are being met.
Understanding industry contacts within secondary market and brokerage industries.
Understanding low-income financing including LIHTC and other subsidized financing structures.
Experience working with internal and external legal counsel to negotiate loan documents if/when required by Borrower.
Maintains responsibility for retaining and expanding a specific book of relationships, understanding the intricacies of each relationship to provide superior service to Bank clients.
Deliver personalized banking strategies that align with client objectives, enhancing their business operations through our comprehensive suite of banking services.
Proactively investigates opportunities for expanding market share and making business more profitable, focusing on identifying prospective clients and additional banking needs among current clients.
Identifies opportunities and continually prospects for new clients.
Generates leads through existing relationships and other referrals sources.
Controls and minimizes potential risks through proactive relationship management and thorough knowledge of compliance and risk management.
Keeps abreast of applicable laws and regulations relevant to banking services.