Commercial Relationship Mgr

JOB SUMMARY

Opportunity to join Oregon Pacific Bank’s expanding and growing team in the greater Portland/SW Washington marketplace. Core attributes the ideal candidate must possess include representing the Bank with the highest level of integrity and professionalism while developing and maintaining relationships with business professionals with an emphasis on deposits. Prospecting commercial loan and deposit opportunities which meet established lending requirements will be a primary focus with heightened focus on providing maximum profitability to the bank with a minimum level of risk. Abide by the ‘Deliver on the Promise’ commitments.

JOB SPECIFICATIONS

Education—bachelor’s degree in business, finance, or related area

Experience—Typically requires 7-10 years of prior commercial lending experience, strong credit and analytical skills and knowledge of bank services.  

 ESSENTIAL FUNCTIONS

• Develop new business by contacting prospects and clients to meet loan growth, loan profitability, and deposit growth goals.
• Interview loan applicants while collecting and analyzing financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.  Applicant must possess the financial analysis skills necessary to fully underwrite a commercial loan request on their own.
• 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 complex credit requests that may include commercial real estate, asset-based lending, commercial and industrial lending (C&I), and general lending to business and professional clients.
• Responsible for timely submission of all financial data to the Credit Analysts and Portfolio Managers. 
• Must demonstrate ability to present commercial loan requests to Lending Team Lead and Senior Credit Administrator.  
• 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 
• Work with Relationship Banking Officer(s) to prospect leads together and co-manage client relationships.
• Be knowledgeable of and follow all bank compliance rules while adhering to Federal and State banking regulations relating to this position.

• Other duties as assigned to meet client and operational needs.

RELATIONSHIPS

• Responsible to the Commercial Lending Team Leader for the fulfillment of functions and responsibilities.
• Will have extensive contact with clients and the public, conducting relationships in a manner that will enhance the overall marketing effort of the Bank.
• Required to collaborate, cooperate, and communicate with supervisor, co-workers, clients, and customers.
• Ability to generate commercial lending leads/opportunities centered around a full banking relationship is imperative.  Applicant will be expected to prove out connectivity within the business community not consisting of commercial loan broker relationships.  
• Team minded, people first mindset is expectation within the role, Portland Banking Team, along with colleagues throughout the whole Oregon Pacific Bank footprint. 

WORK CONTEXT: