Commercial Banking - Relationship Manager

Northwest Bank•Seattle, WA

7h•$130,000 - $160,000

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. 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

Lead the development and maintenance of a loan portfolio.
Identify customer needs and analyze financial data.
Create original financial solutions meeting client goals.
Develop trusted customer relationships to nurture referrals.
Engage persistently in business development.
Act as a team leader, working across internal organizations to help others perform their role effectively and to the client’s benefit.
Provide timely, responsive, and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.
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.
Ensure every deal is executed with high quality, quickly, and fairly.
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.