Commercial Banking Officer - Everett Washington
Commercial Banking Officer - Everett Washington
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Job Description
Base Salary Range :
Level II: $91707.00 $114639.00 $137561.00 annual
Level III: $112991.00 $141236.00 $169491.00 annual
Depending on qualifications and experience Commercial Banking Officer II or III may be considered.
At Heritage Bank we work hard but also know how important it is to take time off to stay healthy relax and spend time doing what makes your heart happy!
As part of our team youll enjoy a total rewards package which includes base salary based on the role experience and skill set along with an exceptional benefits package (medical dental vision life insurance 401(k) community volunteer time) and generous time off policy. Fulltime team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month* while also enjoying 11 paid holidays each calendar year and an annual float day. *prorated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment.
Position Overview:
Heritage Bank has an exciting opportunity to join our organization! We are seeking an experienced commercial banking officerto join our Snohomish Commercial team. This positionprovides a full range of commercial banking services including developing new business and client relationships; producing a variety of commercial loans; generating and managing a portfolio of business and corresponding relationships; seeking new accounts through calling efforts marketing and referrals; as well as coordinating the crosssale and delivery of bank products and services to clientele while serving as a trusted advisor. This position will also have responsibility for underwriting structuring and closing commercial loans that meet established lending requirements and maximizes profitability to the Bank with minimal risk. Depending on level of position may have responsibility to develop train coach and motivate less experienced bankers to achieve the Banks loan goals.
This position is fully onsite in Everett Washington.
The successful candidate will be able to:
- Establish and service a sound loan portfolio by cultivating new and expanding existing business through an effective calling program. Regularly achieve and/or exceed agreedupon benchmarks and annual goals.
- Build solid profitable relationships with clients/prospects characterized by mutual respect understanding and trust. Work to establish his/her role as a trusted financial advisor.
- Evaluate the overall resources and capabilities of the client/prospects business considering current industry dynamic financial and operational strategy economic conditions and market trends and prioritizes client/prospect opportunities.
- Analyze client/prospect needs and recommends appropriate solutions that match those needs consistent with the Banks credit culture and maximizes Heritage Banks profitability and shareholder value.
- Analyze and screen loan requests. Negotiate terms/conditions structure loan financing based on risk considerations consistent with Bank policy and Asset/Liability guidelines; approve loans within assigned lending limits; and/or prepare/ present credits outside lending limits for approval to appropriate levels of authority as required.
- Foster and maintain cohesive partnerships and working relationships with all lines of business within the Bank to build a trusted and productive sales and service referral process.
- Effectively evaluate and manage each client relationship and transaction for financial and credit risk and potential loss to the Bank ensuring adequate safeguards and monitoring of accounts. Ensures collateral routinely reviews cashflow and ensures standards and loan terms are met on an ongoing basis.
- Proactively leverage ideas insights and relationships to generate new and incremental loan and deposit business for Heritage Bank; utilizes existing client/prospect base and network of clients/prospects referral sources and means of improving client acquisition and retention.
- Ensure timely and thorough monitoring of all credits through periodic reviews continued analysis proper credit quality grading and proper documentation. Maintains ongoing contact with client to be kept current on significant changes in financial condition or operations. Remedy loan deficiencies where appropriate including loans out of compliance with borrowers loan agreement or out of formula with borrowing base.
- Prepare and present all required and requested loan reports in a timely manner.
- Monitor the performance of the borrower over the life of the loan. Able to recognize developing problems and bringing them to the attention of management. For troubled credits assist in developing a strategy to return the credit to a pass rating or exit strategy.
- Comply with government regulations by maintaining an uptodate knowledge of commercial law UCC and banking regulations/policy to assure conformity with required laws and terms.
- Maintain an awareness of competitive products practices rates and changes in the local market.
- Ensures Bank activities are performed in compliance with the Banks Policies and Standards in partnership with Enterprise Risk Management and other internal banking partners.
- Represent the Bank in the local community through proactive participation in community charitable business and social activities to allow for maximum client and customer contact.
Requirements:
- Bachelors degree in Business Finance Accounting or Marketing preferred.
- Level II 5 years of commercial banking experience providing financial expertise counsel and customized solutions to business clients; advanced knowledge of commercial real estate and C&I lending practices preferred. Must have excellent business development skills with proven success in prospecting and building relationships to enhance commercial loan opportunities and entrusted to make quality credit decisions.
- Level III 8 years of progressively responsible commercial lending experience providing financial expertise counsel and customized solutions to business clients with proven experience successfully managing complex commercial banking relationships required. Advanced knowledge of credit underwriting loan structuring credit/credit quality and commercial real estate and C&I lending practices required. Strong relationship management and business development/sales skills required.
- Formal credit training and/or Pacific Coast Banking School Graduate or equivalent highly desired.
- Experience with HOA lending highly desired.
- Demonstrated ability to deliver exceptional customer service and maintain client relationships both internally and externally.
- Customercentric mindset with the ability to translate customer issues/needs into profitable business solutions.
- Networking and relationship building skills with demonstrated expertise and success in business development and sales processes and strategies.
- A proven track record as an individual contributor who has grown top line results in a service oriented business.
- Effective listening verbal written and telephone etiquette business communication skills including effective questioning strategies and presentation skills; ability to read write speak and understand English well.
- Strong problem solving and decisionmaking skills with demonstrated ability to quickly focus on key issues make decisions under pressure of time constraints and translate business development challenges into opportunities.
- Ability to identify recurring and nonrecurring sources of cash flow and guarantors ability to service debt.
- Business and financial analysis and modeling skills with understanding of financial accounting income statements balance sheets etc. requiring the ability to gather analyze and prepare reports.
- Working knowledge of lending practices policies procedures disclosures and terminology related to banking laws regulatory requirements and legal documents.
- Strong planning organizational time management and follow up skills demonstrating a strong sense of urgency and ability to execute quickly timely and efficiently.
- An ability to analyze and synthesize information accurately and effectively multitask and decide key priorities with confidence motivation decisiveness flexibility and sound business judgment.
- Understanding of the Banks credit underwriting policies and approval process for assigned loans.
- Ability to handle and deal with sensitive and confidential matters in an efficient manner.
- Proficient PC experience using MS Office products (Word Excel Outlook) and retrieval of data; working knowledge of automated financial systems with the ability to learn and adapt to new technologies quickly.
Work Environment:
- Climate controlled office environment.
- There may be frequent employee and customer contacts and interruptions during the day.
- Work involves being able to concentrate on the matter at hand under sometimes distracting work conditions.
- Work requires willingness to work a flexible and/or rotating schedule which may require evening work.
- May be exposed to outside climate conditions and/or required to wear protective devises during site and property visits/inspections.
Physical Demands:
- Work may involve the constant use of computer screens reading of reports and sitting throughout the day.
- Ability to operate a computer keyboard multiline telephone photocopier scanner facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
- Typically sitting at a desk or table; intermittently standing stooping bending at the waist climbing kneeling or crouching to file materials and/or site/property inspections.
- Occasional lifting 10 20 lbs. (files boxes).
Travel Time: Varies 50; Willingness to travel to other branch customer business locations and meeting sites which may include overnight travel and extended stay availability when needed; valid drivers license clean driving record proof of insurance and access to reliable transportation; or the ability to access and utilize an alternative method of transportation when needed to carry out jobrelated essential functions.
The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position.
Heritage Bank is an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age protected veteran status disability or any other basis protected by applicable law.
Job applicants have certain legal rights. Please clickherefor information regarding these rights.
If you need assistance completing the online application please email:
Salary Range Disclaimer
The base salary range represents the min mid and max of Heritage Banks salary range for this position. Actual salaries will vary depending on factors including but not limited to qualifications experience and job performance. The range listed is just one component of Heritage Banks total compensation package for full time and part time employees. Depending on position other total compensation rewards may include monthly quarterly or annual incentive and/or bonuses.
##JobCategory:Commercial Banking##
##Street:2831 Colby Ave##
##City:Everett##
##State:WA##
##ZipCode:98201##
##Internal:false##
*mon
Required Experience:
Unclear Seniority
Employment Type
Full-Time
