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Columbia Bank · 15 hours ago

Commercial Banking Relationship Manager

Moses Lake, WA

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Columbia Bank is a financial institution seeking a Commercial Banking Relationship Manager to serve as the key banking relationship manager for assigned commercial client relationships. The role involves prospecting new business, deepening client relationships, and providing customized banking insights and solutions to complex and upper market commercial clients.

BankingFinanceFinancial Services

Responsibilities

Serves as the trusted advisor to clients, functions as the Commercial client “expert” and the go-to-person providing differentiating consult, ideas, and options for the largest and most complex clients

Champions and leads business development efforts by developing a clear and holistic understanding of the client’s or prospect’s business and industry

Performs client reviews to ensure the bank provides relevant solutions as clients grow and adapt

Develops and maximizes established referral network

Proactively prospects for new clients and identifies ways to expand existing relationships in collaboration with Commercial associates and internal partners

Identifies opportunities and partners to structure, coordinate and sponsor credit and non-credit solutions

Assembles and leads cross-functional team to quickly respond to customer request and identified needs

Utilizes team of experts to creatively present the full breadth of the bank

Maintains active prospecting effort, including identification, qualification and calling

Consistently balances prospecting efforts and quality client maintenance responsibilities

Makes decisions on loans and terms within established lending limits

Analyzes credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements

Follows-up on current loans to ensure compliance with internal procedures and other required terms

Studies middle market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines

Actively participates in community organizations to source business development opportunities

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training

Keeps up to date on regulation changes

Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description

May be asked to coach, mentor, or train others and teach coursework as subject matter expert

Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words

Takes personal initiative and is a positive example for others to emulate

Embraces our vision to become 'Business Bank of Choice'

May perform other duties as assigned

Qualification

Commercial lending experienceExpert credit acumenRelationship managementBusiness developmentAnalytical skillsSales skillsCredit quality skillsComputer skillsCommunication skillsPresentation skillsNegotiation skillsMentoring skillsTeam collaboration

Required

More than 10 years of relevant Commercial lending experience and proven track record of exceeding performance in developing business in the Commercial C&I segment and industry

Proven track record of success in developing new business, growing market share and establishing/growing a quality supportive network

Experience working in relationship management teams with a proven understanding of the importance of balancing business development and asset quality

Proven ability to constructively work within (lead) a team in effort to deliver holistic, customized banking relationships

Expert credit acumen (underwriting, accounting, financial statement, understanding business and understanding of operational cash flow) with the ability to support the most complex deals

Working knowledge of the bank's systems and policies applicable to underwriting and portfolio management

Thorough knowledge of bank's risk-rating system, credit products and underwriting policies

Exceptional working knowledge with structuring credit products to middle market business in diverse industries with complex ownership structures

Excellent relationship management and business development abilities, analytical and problem solving skills, sales skills, and credit and credit quality skills

Confirmed superior client relationship and internal partnering skills

Ability to work effectively with individuals and groups across the company to manage customer relationships

Demonstrates excellent written and verbal communication and presentation skills

Possesses strong computer skills including use of the Microsoft Office suite with the ability to learn new business software, as needed

Ability to train and present to small and large audiences

Superior technical credit expertise

Readily mentors others to grow their skillsets in this space

Ability to negotiate/collaborate with Senior Credit Officers on credit terms and structures

Experience with syndications, asset-based lending, capital structure finance, leveraged lending, enterprise value lending, and trade finance

Experience with underwriting and/or managing Shared National Credits (SNC)