Commercial Banking - Relationship Manager

About the role

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. 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.

Responsibilities

• Provide the Bank’s customers with timely, responsive, and exceptional service in accordance with the Bank’s mission, vision, core values, and customer service standards.
• Develop and expand customer relationships by understanding the client’s business, industry, and leadership.
• Clearly 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 by:
  • Interviewing potential clients and accepting credit applications.
  • Reviewing applications and credit histories.
  • Reviewing and analyzing credit reports and financial information.
  • Evaluating existing and projected company cash flow.
  • Determining value of collateral; reviewing independent appraisal reports.
  • Approving or rejecting credit applications within bank standards.
  • Preparing 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, and 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.

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.

Pay

Salary Range: $130,000 - $160,000 DOE. Individual compensation will be determined based on relevant experience, qualifications, education, internal equity considerations, market conditions, and business needs.