Commercial Banking - Relationship Manager

Northwest Bank•Boise, ID

1d•Onsite

About The Position

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. Being a Relationship Manager means providing the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.

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

Understand the client’s business, industry and leadership
Identify financial outcomes that enhance the client’s success
Develop financial solutions that are creative, sound and effective
Interview potential clients and accept credit applications
Review applications and credit histories
Review and analyze credit reports and financial information
Evaluate existing and projected company cash flow
Determine value of collateral; 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
Frequently engage with customers, persistently assess client needs and offer solutions
Identify potential gaps in service and products, and communicate internally to identify opportunities for growth as well as competitive differentiation
Communicate with bank management about overall portfolio health, opportunity for growth, retention risks
Follow through on agreements by monitoring loans through periodic reviews and documentation
Review maturing loans, loan extensions and construction draws
Resolve customer payment issues
Properly maintain credit files including file memos updating the status of the client relationship
Work proactively and independently to develop new sources of businesses
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