Commercial Banking - Relationship Manager

Northwest Bank•Seattle, WA

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.

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

Leads the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure customer satisfaction.
Identifies customer needs, analyzes financial data, and creates original financial solutions meeting the client’s goals.
Creates new business by developing trusted customer relationships which nurture referrals, and engaging persistently in business development.
Acts as a team leader, working across internal organizations to help others perform their role effectively and to the client’s benefit.
Provides the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.
Takes the time to understand the client’s business, industry and leadership.
Clearly identifies financial outcomes that enhance the client’s success.
Develops financial solutions that are creative, sound and effective.
Ensures every deal is executed with high quality, quickly and fairly.
Interviews potential clients and accepts credit applications.
Reviews applications and credit histories.
Reviews and analyzes credit reports and financial information.
Evaluates existing and projected company cash flow.
Determines value of collateral; reviews independent appraisal reports.
Approves or rejects credit applications within bank standards.
Prepares detailed loan presentations on new credit applications.
Monitors loan documentation and processing.
Frequently engages with customers, persistently assesses client needs and offers solutions.
Identifies potential gaps in service and products, and communicates internally to identify opportunities for growth as well as competitive differentiation.
Communicates with bank management about overall portfolio health, opportunity for growth, retention risks.
Follows through on agreements by monitoring loans through periodic reviews and documentation.
Reviews maturing loans, loan extensions and construction draws.
Resolves customer payment issues.
Properly maintains credit files including file memos updating the status of the client relationship.
Works proactively and independently to develop new sources of businesses.
Leverages market insight to target and engage potential customers.
Responds to inquiries regarding business and consumer credit and deposit products.
Effectively represents Northwest Bank products and solutions.