Credit Analyst / Assistant Relationship Manager

at  Northwest Bank

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