Asst Relationship Manager / Portfolio Manager
Location: Seattle, WA

Responsibilities:

• 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 (RMs) and Loan Administrators to close loans
• Spread and analyze financial statements and information to evaluate existing and projected company cash flow
• Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
• Review independent appraisal and collateral exam reports
• Develop list of key information necessary to support the loan approval process
• Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
• Create and maintain customer files within defined bank standards
• Attend customer meetings and provide written summary in underwriting and evaluating risk
• Connect with loan applicants to ensure loan packages are complete
• Participate in Credit Training to remain current on standards and expectations
• 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.) as requested by RM
• Support collection of past due accounts
• Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
• Assist with customer calls and marketing efforts
• Maintain knowledge of and compliance with banking regulations

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

Preferred Experience:

• Basic knowledge of risk analysis, economics, accounting, and finance practice
• Strong relationship-building skills with demonstrated attributes that support a team-based environment
• Experience with financial analysis software such as Moodys and Buker
• Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
• Thorough knowledge of lending policies and procedures preferred
• Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
• Thorough understanding of business cash flow and differing legal business structures
• Effective oral and written communication and time management skills
• Basic knowledge of deposit and cash management banking products used by lower middle-market companies