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Northwest Bank · 3 months ago

Commercial Banking - Relationship Manager

Boise, ID

Full-time

Onsite

Senior Level

5+ years exp

Northwest Bank serves the business and professional communities of Idaho, Oregon, Utah, and Washington, and they are seeking a Relationship Manager to lead the development and maintenance of a loan portfolio. The role focuses on identifying customer needs, analyzing financial data, and creating tailored financial solutions to ensure customer satisfaction and drive business growth.

BankingFinanceFinancial Services

Responsibilities

Take the time to understand 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:

Interview potential clients and accept credit applications

Review applications and credit histories

Review and analyze credit reports and financial information

Evaluate existing and projected company cash flow

Determine value of collateral; review independent appraisal reports

Approve or reject credit applications within bank standards

Prepare 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, 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

Qualification

Commercial lending experienceBusiness development skillsCredit services knowledgeLending policies knowledgeBusiness cash flow knowledgeWindows-based softwareEffective communication skills