Commercial Relationship Manager

Oregon Pacific Bank

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.

• Education:
  
  Bachelor’s Degree in Business, Finance, or related area
• Experience:
  
  Typically requires 5 or more years of prior commercial lending experience, strong credit and analytical skills, and knowledge of Bank services

• Develop new business by contacting prospects and clients to meet loan growth and profitability goals
• Interview loan applicants and collect and analyze financial data to determine the general creditworthiness of the prospect and the merits of the specific loan request
• Establish and negotiate terms for credit extension, including costs, repayment method, schedule, and collateral requirements
• Collect and analyze current creditworthiness information for clients and existing loans through direct inspection, interim financial reports, and personal interview
• Analyze highly complex credit requests (commercial real estate, asset‑based lending, commercial lending, general lending to business and professional clients)
• Submit all financial data to the Credit Analyst in a timely manner
• Monitor all credits through periodic reviews, continual analysis, and proper documentation
• Manage existing loans, monitor repayment activities, and collect from past‑due accounts (except special assets); report classified loans to the Chief Credit Officer periodically
• Remedy deficiencies when appropriate
• Advise clients on business management and financial matters where possible
• Cross‑sell Bank services to other departments, OPB Trust, and OPWM
• Undertake special projects relating to departmental services
• Participate in community affairs to enhance business opportunities
• Conduct business and work relationships in an ethical, professional, and courteous manner
• Be knowledgeable of bank compliance rules and adhere to federal and state banking regulations
• Follow all Bank compliance policies and procedures; other duties as assigned to meet client and operational needs

• Paid Vacation and Sick Leave
• 11 Paid Holidays
• Health, Vision, and Dental insurance options
• Bank Paid Life, AD&D, and Long‑Term Disability Insurance
• 401K and Profit‑Sharing Plans
• Eligibility to participate in Section 125 Flexible Spending Plans
• Fitness Club Reimbursement

• Ability to concentrate and focus on essential functions in priority order
• Requires punctuality, dependability, detail orientation, and responsibility for work outcomes
• Requires sitting for long periods and traveling to other departments and locations as needed
• Requires contact with others by telephone, electronic mail, and face‑to‑face discussions
• Requires completion of assigned online training courses with a passing percentage
• Professional environment requiring appropriate professional demeanor and attire
• Work performed indoors in environmentally controlled conditions
• Ability to lift up to 30 lbs. if necessary

• 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
• Ability to lift up to 30 lbs. if necessary
• Ability to work hours required to fulfill job expectations

• 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…