About this Position: Located in Lake Oswego, OR, the Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers, playing a pivotal role in supporting a designated Relationship Manager to service existing clients and business development for new clients.
Primary Job Duties: Perform assigned duties in accordance with the Bank's Mission, Vision and Core Values; provide the Bank's customers with timely, responsive and exceptional service in accordance with the Bank's customer service standards Support the Relationship Managers and Loan Administrators to close loans Analyze financial statements to evaluate existing and projected company cash flow Investigate, interpret and analyze credit reports; review independent appraisal and collateral exam reports Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.) Prepare detailed Credit Memorandums with defined Credit Quality Expectations for review and approval Provide underwriting recommendations to the Relationship Manager, Market President, and Credit Administration Connect with loan applicants to ensure loan packages are complete Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc. Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients Maintain knowledge of and compliance with banking regulations Additional Responsibilities: Support collection of past due accounts Create and maintain customer files within defined bank standards Attend customer meetings and provide written summary in underwriting and evaluating risk Participate in Credit Trainings to remain current on standards and expectations Assist with customer calls and marketing efforts Your background: Bachelor's degree in Business, Accounting, Finance, or related area; or equivalent work experience Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending Relevant experience with direct client interaction with businesses providing support related to financial services What we'd like to see: Experience with financial analysis software such as Moodys and Buker Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint) Experience using Excel to organize data used for advanced data analysis Thorough understanding of business cash flow and differing legal business structures in a commercial banking environment Basic knowledge of risk analysis, economics, accounting, and finance practice Strong relationship-building skills with demonstrated attributes that support a team-based environment Thorough knowledge of lending policies and procedures Knowledge of deposit and cash management banking products used by lower middle-market companies
