What are the responsibilities and job description for the Commercial Relationship Manager I-III position at Oregon Pacific Bank?
Pay commensurate with experience
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:
- Education: Bachelor’s degree in Business, Finance, or related area or comparable relevant work experience within the industry
- Experience: 5 or more 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 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 all Bank, Federal and State policies, procedures, and banking regulations relating to this position
- Other duties as assigned to meet client and operational needs.
SKILLS:
- 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
- Proficient computer skills with an emphasis on MS Office Products to include Excel and Word
- Ability to engage and develop relationships with all internal bank departments
- Ability to work independently and as a member of a team
- Ability to work hours as scheduled
- Ability to multitask in a fast pace environment
- Highly proficient in common sense decision making
RELATIONSHIPS:
- Responsible to the Team Leader for fulfillment of functions and responsibilities.
- Contact with clients and the public in a professional manner that will enhance the overall marketing effort of the bank.
- Required to collaborate, cooperate, and communicate with supervisor, co-workers, clients and customers.
CORE BEHAVIORS for DELIVERING ON THE PROMISE:
- Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.
- Work Ethic. Be willing to go the extra mile for the client, whether internal or external.
- Influence. Be an active player in participating, building and contributing to service.
- Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing basis in order to better serve the client, increase personal satisfaction and improve the Bank.
- Team Play. We win together. Individuality is encouraged to advance and enrich the work of the team.
- Problem Solving. Being creative, problem-solving mentality to every situation. See alternative, take initiative and assume responsibility for your actions.
- Communication. Keep other informed and up-to-date. Actively listen and learn from each other.
- Have a Sense of Community. We firmly believe that we’re only as strong as the communities we serve. Your involvement is an important part of who we are.
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.