Relationship Manager

WaFd Bank • Kennewick, WA

3d

About The Position

A Relationship Manager is responsible for developing a business plan to maintain and grow existing relationships and is responsible for developing new relationships that meet our client selectivity and risk appetite.

The Relationship Manager has had proven success in independently winning new relationships (credit and non-credit) and negotiating terms with minimal assistance.

Relationship Managers will be expected to partner with the appropriate commercial banking colleagues (Loan Coordinators, Credit Analysts) to deliver credit relationships with the guidance of Credit Administration, the Senior Relationship Manager, Division Manager or Director.

Relationship Mangers work closely with Treasury Management Officers to grow and service the non-credit needs of commercial clients.

This position will develop and manage commercial relationships which meet established lending and client selectivity requirements and provide maximum profitability to the Bank with a minimum of risk.

WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients.

Requirements

• Bachelor's Degree or approved equivalent; completion of courses in finance, accounting and real estate analysis or equivalent training in commercial banking.
• Negotiating experience, accuracy, strong organizational skills, attention to detail and success working with clients with diverse banking needs.
• Effective verbal and written communication skills. Able to work independently with little supervision as well as in a team environment.
• Must be proficient with Microsoft Office applications, (primarily WORD, PowerPoint and EXCEL); Experience with LaserPro (CFI) desired; Position requires clear and concise verbal and written communication skills including good customer relations skills.
• 3-5 years of experience as a Credit Analyst, Relationship Officer or the equivalent.
• Must have good understanding and working knowledge of commercial lending terminology, loan processing, loan documentation and lending procedures.
• Self-motivated and production-oriented with a desire to grow existing relationships and actively pursue business development.

Responsibilities

• Engages in business development activities and solicitation of new business prospects; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services; maintains active prospecting effort, including identification, qualification and calling; investigates and follows up on significant changes in status of existing customers; consistently balances prospecting efforts and quality customer maintenance responsibilities; meets with customers to discuss needs and outline appropriate Bank services; resolves customer concerns or problems as necessary.
• Establishes, and negotiates where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Develops a deep understanding of non-credit products, leads the engagement with clients and prospects to uncover opportunities and appropriate solutions to help the clients more efficiently manage cash flow.
• Performs all required portfolio management responsibilities, including but limited to monitoring of customers’ financial reporting requirement and compliance with covenants.
• Seeks to be a trusted advisor by maintaining current knowledge on the customers’ business and industry.
• Develops materials for and makes loan presentations to Credit Administration and Sr. Loan Committee, where required.
• Participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities.
• Serves as a contact for non-borrowing and borrowing clients for matters relating to other Bank services, including Work Perks, personal and private banking.
• Adhere to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.
• Counsels with and assists in the training and development of Relationship Officers, Banking Officers, Loan Coordinators and Credit Analysts.
• Completes special projects as assigned by manager.

Benefits

• Paid time off for vacation, sick days and holidays
• Health insurance
• Stock options
• Bonus programs
• Generous 4% 401(k) matching plus a generous 3% annual contribution, 7% total employer contribution
• Paid Parental Leave
• Life and AD&D insurance
• Long-term disability
• Tuition Reimbursement
• Employee assistance programs
• Pre-tax health and dependent-care spending plans

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level