Commercial Relationship Manager in Portland, Oregon at Oregon Pacific Bank
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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:
LEVELS:
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
SKILLS:
RELATIONSHIPS:
CORE BEHAVIORS for DELIVERING ON THE PROMISE:
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.