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Oregon Pacific Bank · 4 days ago

Commercial Relationship Manager

Medford , Medford, OR, US

Full-time

Onsite

Senior Level

$102K/yr - $155K/yr

5+ years exp

Oregon Pacific Bank is a financial institution seeking a Commercial Relationship Manager to develop new business and manage existing loans. The role involves analyzing creditworthiness, negotiating loan terms, and ensuring compliance with banking regulations.

BankingCommercial Real EstateFinancial Services

Growth Opportunities

Responsibilities

Develop new business by contacting prospects and clients in order to meet loan growth and profitability goals

Interview 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 request

Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements

Collect 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 interview

Ability to analyze highly complex credit requests that may include: commercial real estate, asset-based lending, commercial lending and general lending to business and professional clients

Responsible for timely submission of all financial data to the Credit Analyst

Ensure timely and thorough monitoring of all credits through periodic reviews, continual analysis and proper documentation

Manage 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 periodically

Remedy deficiencies when appropriate

Advise clients, where possible, on business management and financial matters

Meet loan growth and profitability goals. Develop new business by contacting prospects, clients and customers

Cross-sell Bank services to other departments as well as OPB Trust and OPWM

Undertake special projects relating to departmental services

Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities

Conduct business and work relationships in a consistently ethical, professional, and courteous manner

Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position

Follow all Bank compliance policies and procedures relating to this position

Other duties as assigned to meet client and operational needs

Qualification

Commercial lending experienceCredit analysis skillsBank compliance knowledgeFinancial data analysisGAAPCustomer serviceWritten communicationVerbal communicationProblem-solving skillsTeamwork

Required

Bachelor's Degree in Business, Finance, or related area

Typically requires 5 or more years of prior commercial lending experience

Strong credit and analytical skills

Knowledge of Bank services

Ability to analyze highly complex credit requests that may include: commercial real estate, asset-based lending, commercial lending and general lending to business and professional clients

Solid knowledge of banking regulations, compliance issues and Bank policies

Familiarity and experience with a variety of financial institution concepts, practices and procedures

Solid understanding of Generally Accepted Accounting Principles and Tax Accounting

Understanding of complex commercial and consumer lending terms and documentation

Excellent and effective written and verbal communication skills

Competency in providing exemplary internal/external client and customer services in a professional manner and with tact and diplomacy

Ability to be detail oriented with good problem-solving skills

Ability to tolerate high levels of stress

Ability to work with others in a cooperative manner that supports a team environment

Ability to work hours required to fulfill job expectations