Commercial Banker

Why RiverBank?

We’re a purpose-driven bank that values Collaboration, Kindness, Motivation, Innovation, and Productivity. You’ll step into a high-impact role with visibility, influence, and the opportunity to shape the financial future of a growing, values-led institution.

To apply, visit RiverBank's Careers page here: https://riverbank.bamboohr.com/careers/139

Position Summary:

The Commercial Banker builds, manages, and grows a portfolio of commercial relationships by serving as a trusted financial advisor to local business owners. This role blends business development, credit structuring, and portfolio management to deliver locally approved, relationship-driven solutions that support client growth, stability, and long-term success.

More than a lender, the Commercial Banker is responsible for developing full-service banking relationships that include deposits, credit facilities, treasury and merchant services, and concierge branch support. This role requires a strong understanding of RiverBank’s full suite of products and the ability to identify, recommend, and coordinate solutions across teams while maintaining strong asset quality, delivering an exceptional client experience, and representing RiverBank in the community and upholding the bank’s core values.

Primary Duties and Responsibilities:

Relationship Management & Business Development

• Build and expand commercial relationships through intentional outreach, referrals, and active engagement with local business owners and community partners.
• Serve as the primary relationship owner for commercial clients, maintaining regular contact and delivering responsive, high-touch service.
• Assess clients’ needs holistically and recommend solutions that may include credit facilities, deposit accounts, treasury and merchant services, and concierge banking solutions.
• Own the client onboarding experience, coordinating credit, deposits, treasury services, and internal partners to ensure smooth execution, strong early relationships, and long-term client success.
• Represent RiverBank at community, networking, and business development events to strengthen brand presence and generate new opportunities.
• Apply sound judgment and creativity to deliver flexible, locally approved solutions aligned with client needs and bank policy.
• Maintain work hours aligned with business-owner schedules, including early mornings, evenings, or occasional weekends as needed.

Credit Analysis & Deal Structuring

• Collect and evaluate financial, operational, and collateral information for new credit relationships.
• Analyze financial statements, cash flow, and global debt service capacity to assess risk and repayment ability.
• Structure credit facilities in compliance with bank policy, regulatory guidance, and prudent risk standards.
• Deliver high-quality credit presentations that demonstrate sound analysis, thoughtful structuring, and alignment with bank policy and risk standards.
• Communicate credit decisions, terms, and conditions clearly and professionally to clients.

Portfolio & Risk Management

• Manage commercial loan portfolio to maintain strong asset quality and policy compliance.
• Monitor financial performance, covenant compliance, and collateral requirements on an ongoing basis.
• Partner with Credit and Loan Operations to ensure accurate documentation, booking, and servicing of loans.
• Identify emerging risks early and collaborate with clients and internal teams to address issues proactively.

Team & Culture

• Report directly to the Commercial Team Lead and collaborate closely with Credit, Operations, and Treasury Management teams.
• Uphold and model RiverBank’s core values: Kind, Innovative, Motivated, Productive, and Collaborative.

Minimum Qualifications:

• Bachelor’s degree in Business, Finance, Accounting, or a related field; or equivalent professional experience.
• Minimum of five (5) years of experience in commercial banking, commercial lending, or credit.

Knowledge, Skills, and Abilities

• Demonstrated strength in commercial credit analysis and underwriting.
• Working knowledge of commercial loan structures, collateral types, and guarantor support.
• Strong interpersonal, written, verbal, and presentation skills.
• Ability to manage multiple priorities while maintaining attention to detail and follow-through.
• High level of professionalism, judgment, and integrity.
• Commitment to relationship-based, community-focused banking.
• Ability to exercise independent judgment while collaborating effectively across teams.

What Success Looks Like in Year One:

• Year one quantitative performance goals will include 30-60-90 day ramp for onboarding. Annual goals will be established with Banker and Team Lead to align with RiverBank’s strategic growth goals.
• Year one qualitative goals are as follows:
• Establish a strong, visible presence in the local business community and develop a consistent pipeline of new commercial opportunities.
• Build a portfolio of well-structured, relationship-driven commercial clients that reflects RiverBank’s focus on full-service banking relationships, including meaningful deposit balances.
• Develop trusted advisor relationships with clients, evidenced by repeat business, referrals, and expanded use of RiverBank products and services.
• Maintain a well-managed portfolio with strong asset quality, timely financial reporting, and proactive risk identification.
• Collaborate effectively with Credit, Loan Operations, Treasury Management, and branch teams to ensure smooth onboarding and exceptional client experience.

Starting Pay Range: $101,636 - $127.046 plus production-based incentive up to 50% of annual salary

More to Know:

• RiverBank has consistently been named one of the Best Places to Work in the Inland Northwest since 2020.
• Vacation (3 Weeks), Sick Leave (12 days a year), Volunteer Time off (24 hours) & All Bank Holidays (at least 40 paid days off a year total that increase with tenure) 
• 90% Employer Paid Medical & 100% Employer Paid Vision, Dental, & Long-Term Disability Insurance for every Team Member
• An HRA where an employee only pays $600 towards their medical deductible and the company reimburses any other deductible costs ($4,900 value)
• Employer-paid Life Insurance (two times your annual earnings)
• Employer Paid Employee Assistance Program
• 4% company 401k match on contributions after 3 months
• Paid Parental Leave
• Discounted Rates on Pet, Home, & Auto Insurance

Apply here: https://riverbank.bamboohr.com/careers/139

RiverBank is an equal opportunity employer, committed to hiring a diverse workforce and preserving inclusive hiring practices. RiverBank, Inc. does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.