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Commercial Relationship Manager in Portland, Oregon at Oregon Pacific Bank

NewSalary: $92980 - $147635
Oregon Pacific Bank
Portland, Oregon, 97225, United States
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Job Description

Note: JD for I (14)II (15)& III (16)

JOB SUMMARY:

Primarily responsible for the ongoing development of new business relationships for the bank through networking and community centered activities. Develop and maintain relationships with business professionals with an emphasis on lending. Prospect commercial and business loan opportunities which meet established lending requirements, and which provide maximum profitability to the bank within the Bank’s risk tolerance

Note: Level is determined by relevant work experience, as well as size and complexity of portfolio.

JOB SPECIFICATIONS:

Education: Bachelor’s degree in Business, Finance, or related area or comparable relevant work experience within the industryExperience: 5 or more years of prior commercial lending experience, strong credit and analytical skills, and knowledge of Bank services.

LEVELS:

CRM I – Typically requires 2-5 years prior commercial lending experience, strong credit and analytical skills and responsible for a loan portfolio of $10-30MMCRM II – Typically requires 5-7 years prior commercial lending experience, strong credit and analytical skills and responsible for a loan portfolio of $30MM - $50MMCRM III – Typically requires 10+ years prior commercial lending experience, strong credit and analytical skills and responsible for a loan portfolio of greater than $50MM

ESSENTIAL FUNCTIONS:

    Develop new business by contacting prospects and clients in order to meet loan growth and profitability goalsInterview loan applicants and collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan requestEstablish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirementsCollect and analyze information that reflects the current creditworthiness of clients and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interviewAbility to analyze highly complex credit requests that may include: commercial real estate, asset-based lending, commercial lending and general lending to business and professional clientsResponsible for timely submission of all financial data to the Credit AnalystEnsure timely and thorough monitoring of all credits through periodic reviews, continual analysis and proper documentationManage existing loans. Monitor loan repayment activities and take necessary action to collect from past due accounts (except special assets). Report on classified loans to the Chief Credit Officer periodicallyRemedy deficiencies when appropriate Advise clients, where possible, on business management and financial mattersMeet loan growth and profitability goals. Develop new business by contacting prospects, clients and customersCross-sell Bank services to other departments as well as OPB Trust and OPWMUndertake special projects relating to departmental servicesParticipate in community affairs to increase the bank’s visibility and to enhance new business opportunitiesConduct business and work relationships in a consistently ethical, professional, and courteous manner
Be knowledgeable of bank compliance rules and adhere to all Bank, Federal and State policies, procedures, and banking regulations relating to this positionOther duties as assigned to meet client and operational needs.

SKILLS:

Solid knowledge of banking regulations, compliance issues and Bank policiesFamiliarity and experience with a variety of financial institution concepts, practices and proceduresSolid understanding of Generally Accepted Accounting Principles and Tax AccountingUnderstanding of complex commercial and consumer lending terms and documentationExcellent and effective written and verbal communication skillsCompetency in providing exemplary internal/external client and customer services in a professional manner and with tact and diplomacyAbility to be detail oriented with good problem-solving skillsAbility to tolerate high levels of stressAbility to work with others in a cooperative manner that supports a team environmentProficient computer skills with an emphasis on MS Office Products to include Excel and WordAbility to engage and develop relationships with all internal bank departmentsAbility to work independently and as a member of a teamAbility to work hours as scheduledAbility to multitask in a fast pace environmentHighly proficient in common sense decision making

RELATIONSHIPS:

Responsible to the Team Leader for fulfillment of functions and responsibilities.Contact with clients and the public in a professional manner that will enhance the overall marketing effort of the bank.Required to collaborate, cooperate, and communicate with supervisor, co-workers, clients and customers.

CORE BEHAVIORS for DELIVERING ON THE PROMISE:

Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.Work Ethic. Be willing to go the extra mile for the client, whether internal or external.Influence. Be an active player in participating, building and contributing to service.Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing basis in order to better serve the client, increase personal satisfaction and improve the Bank.Team Play. We win together. Individuality is encouraged to advance and enrich the work of the team.Problem Solving. Being creative, problem-solving mentality to every situation. See alternative, take initiative and assume responsibility for your actions.Communication. Keep other informed and up-to-date. Actively listen and learn from each other. Have a Sense of Community. We firmly believe that we’re only as strong as the communities we serve. Your involvement is an important part of who we are.

Oregon Pacific Bank is an Equal Opportunity Employer and does not discriminate on the basis of race, color, sex, sexual orientation, gender identity, age, religion, national origin, physical or mental disability, or veteran’s status.

Job Location

Portland, Oregon, 97225, United States

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