Commercial Banking - Relationship Manager

Northwest Bank•Midvale, UT

17h

About The Position

The Relationship Manager (RM) leads the development and maintenance of a loan portfolio, using deep banking experience to ensure customer satisfaction. The RM identifies customer needs, analyzes financial data, and creates original financial solutions that meet client goals. The role develops new business through trusted customer relationships, referrals, and persistent business development. The RM also leads across internal teams to help colleagues perform effectively and serve clients’ needs. The role provides timely, responsive, and exceptional service in accordance with the Bank’s mission, vision, core values, and customer service standards. It involves understanding clients’ businesses, industries, and leadership; identifying financial outcomes that support client success; and developing creative, sound, and effective financial solutions. The Relationship Manager ensures deals are executed quickly, fairly, and with high quality, and monitors relationships and loans over time.

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 clients’ businesses, industries, and leadership.
Identify financial outcomes that enhance clients’ success and develop creative, sound, and effective financial solutions.
Interview potential clients and accept credit applications.
Review applications, credit histories, credit reports, and financial information.
Evaluate existing and projected company cash flow.
Determine collateral value and review independent appraisal reports.
Approve or reject credit applications within bank standards.
Prepare detailed loan presentations for new credit applications.
Monitor loan documentation and processing.
Engage frequently with customers, assess their needs, and offer solutions.
Identify service and product gaps and communicate internally about growth opportunities and competitive differentiation.
Communicate portfolio health, growth opportunities, and retention risks to bank management.
Monitor loans through periodic reviews and documentation, following through on agreements.
Review maturing loans, loan extensions, and construction draws.
Resolve customer payment issues.
Maintain credit files, including file memos that update the status of client relationships.
Develop new sources of business proactively and independently.
Use market insight to target and engage potential customers.
Respond to inquiries about business and consumer credit and deposit products.
Represent Northwest Bank products and solutions effectively.
Provide timely, responsive, and exceptional customer service in accordance with the Bank’s mission, vision, core values, and customer service standards.
Develop and maintain a loan portfolio and build trusted customer relationships that generate referrals.
Work across internal organizations to help colleagues perform effectively for the benefit of clients.