Assistant Relationship Manager (Commercial Lending) #26-03
First Federal, Mcminnville, OR, United States
Why Join Us?
At First Federal, we are committed to providing an outstanding banking experience by focusing on the relationships we build, the products and services we offer, and the professional image we uphold. As an Assistant Relationship Manager you will oversee the analysis of borrowers' credit worthiness, develop related credit memos for both new and existing borrowers, and monitor assigned loan portfolios to protect the assets of the Association.
Key Responsibilities Credit Analysis:
Review credit submission packages received from Relationship Managers and identify the appropriate information necessary to complete analyses.
Organize financial information accurately using the bank’s spreading software.
Perform in depth independent analysis of financial statements, credit bureaus, and calculation of significant ratios.
Evaluate financial information to support cash flows and global cash flows of borrowers and guarantors as required by the Association.
Recommend credit approvals or denials based on the analysis performed and conclusions drawn.
Author credit memorandums to approve credit requests in a clear and thorough manner while citing mitigants to the risk involved, ensuring quality assets are approved with proper structure, controls and terms.
Document research that supports credit decisions made.
Conduct in depth review and written analysis of residential and CRE appraisals in accordance with the appraisal policy.
Review, write and oversee property evaluations for residential and CRE loans in accordance with appraisal policy.
Provide analytical training and review the work of junior Credit Analyst’s/Trainees as directed by the Chief Credit officer.
Assist in covenant tracking and ensure compliance with financial reporting requirements.
Partner with Relationship Managers to appropriately structure complex credit facilities, including lines of credit, term loans, owner‑occupied CRE, investment CRE and C&I transactions.
Identify emerging credit risks and proactively communicate concerns to management.
Risk Analysis:
Develop, maintain and ensure that the schedule for annual financial analysis of assigned loans is completed as required by the loan policy.
Prepare other reports as requested by management.
Ensure that financial information obtained is adequate for the size of the credit and overall relationship.
Attend Directors’ Loan Committee meetings.
Assist in risk rating reviews and recommend risk grade changes when warranted.
Monitor past dues, covenant exceptions, documentation exceptions, collateral exceptions, and escalate concerns appropriately.
Compliance:
Adhere to company policies and procedures to ensure full compliance with all regulatory requirements.
Adhere to First Federal’s Bank Secrecy Act (BSA)/Anti‑Money Laundering (AML) Compliance policies, procedures, and processes. Immediately report suspicious activity to the BSA Officer; and be aware that noncompliance could mean your demotion, reassignment, or termination of employment. You could also face significant civil and criminal penalties.
Complete all assigned compliance training in a timely manner, including BSA/AML training programs and be able to pass tests to demonstrate your knowledge of these regulations.
Perform only tasks where you are licensed, to include NMLS, Notary or any other tasks which require a specific certification.
Participate actively and in a cooperative manner in all internal/external loan examinations.
May work with Mortgage Compliance Officer to ensure loan covenants and other lending requirements remain compliant with applicable laws and regulations.
Maintain knowledge on all bank products, credit standards, services and trends and provide efficient customer services.
Participate in various business development calls with Relationship Managers and develop efficient credit proposals and structure for same.
Participate in client meetings and assist Relationship Managers in arranging credit facilities and appropriate related documentation.
Participate in sales planning initiatives and assist in the design of appropriate relationship plans to generate new business.
Contact customers directly to gather updated information, financial and non‑financial, as needed.
Serve as a secondary point of contact for assigned commercial clients, ensuring timely responses and high‑quality service delivery.
Support onboarding of new commercial relationships, including coordination with loan ops and documentation teams.
What You'll Bring
Prior experience (minimum 2 years) as a commercial credit analyst in a financial institution preferred. Prior direct supervisory experience desired.
Bachelor’s degree; preference in Business, Finance, Economics or Accounting (major or minor) or an equivalent combination of work experience and education.
Basic knowledge of bank regulations and general commercial lending practices.
Fluent using Microsoft Office Suite products and financial spreading software (Bukers, Moody’s, Baker Hill, etc.).
Valid state driver’s license.
Complete understanding of significant ratios derived from spreading financial statements and the ability to analyze the financial health of an entity based on significant ratios and changes over time in those ratios.
Knowledge of commercial & commercial real estate underwriting required.
Knowledge of residential and consumer lending areas desired, though not required.
Understanding of business entities and the unique legal, accounting, and taxation requirements of each.
Knowledge of borrowers, co‑borrowers obligors and guarantors.
Understanding of types and characteristics of real and personal property ownership.
Understanding of the laws of creditor's rights with respect to real and personal property.
Working knowledge of loan documentation and covenants under various structures.
Strong written and verbal communication skills.
Strong organizational skills and ability to manage multiple priorities in a deadline‑driven environment.
Physical Requirements Duties are generally sedentary, requiring sitting for long periods. May require occasional travel within the County limits and occasional travel outside of the county to attend conferences/seminars or classes.
What We Offer
Competitive salary and benefits package.
Training and ongoing professional development.
Opportunities for career advancement within First Federal.
A supportive, team‑oriented work environment where your contributions are valued.
Pre‑Employment Requirements
Pre‑employment drug screen - excluding Marijuana.
Criminal background screen.
Consumer credit report.
DMV record search.
Ready to Apply? If you're ready to make a difference in the lives of our customers and grow your career in banking, we encourage you to apply today!
Click here
to submit your application and join our team!
Deadline for Application: Position will remain open until it is filled.
Equal Opportunity Employer Statement First Federal is an Equal Opportunity Employer – Vets/Disabled, and committed to a diverse workforce. First Federal participates in the Federal E‑Verify Program and is an affirmative action employer. If you need assistance with completion of an application for employment, please contact the Human Resources Department at 503‑435‑3241 or email HumanResources@FirstFedWeb.com.
Key Concepts Banking, Commercial Lending, Credit Analysis
#J-18808-Ljbffr
Key Responsibilities Credit Analysis:
Review credit submission packages received from Relationship Managers and identify the appropriate information necessary to complete analyses.
Organize financial information accurately using the bank’s spreading software.
Perform in depth independent analysis of financial statements, credit bureaus, and calculation of significant ratios.
Evaluate financial information to support cash flows and global cash flows of borrowers and guarantors as required by the Association.
Recommend credit approvals or denials based on the analysis performed and conclusions drawn.
Author credit memorandums to approve credit requests in a clear and thorough manner while citing mitigants to the risk involved, ensuring quality assets are approved with proper structure, controls and terms.
Document research that supports credit decisions made.
Conduct in depth review and written analysis of residential and CRE appraisals in accordance with the appraisal policy.
Review, write and oversee property evaluations for residential and CRE loans in accordance with appraisal policy.
Provide analytical training and review the work of junior Credit Analyst’s/Trainees as directed by the Chief Credit officer.
Assist in covenant tracking and ensure compliance with financial reporting requirements.
Partner with Relationship Managers to appropriately structure complex credit facilities, including lines of credit, term loans, owner‑occupied CRE, investment CRE and C&I transactions.
Identify emerging credit risks and proactively communicate concerns to management.
Risk Analysis:
Develop, maintain and ensure that the schedule for annual financial analysis of assigned loans is completed as required by the loan policy.
Prepare other reports as requested by management.
Ensure that financial information obtained is adequate for the size of the credit and overall relationship.
Attend Directors’ Loan Committee meetings.
Assist in risk rating reviews and recommend risk grade changes when warranted.
Monitor past dues, covenant exceptions, documentation exceptions, collateral exceptions, and escalate concerns appropriately.
Compliance:
Adhere to company policies and procedures to ensure full compliance with all regulatory requirements.
Adhere to First Federal’s Bank Secrecy Act (BSA)/Anti‑Money Laundering (AML) Compliance policies, procedures, and processes. Immediately report suspicious activity to the BSA Officer; and be aware that noncompliance could mean your demotion, reassignment, or termination of employment. You could also face significant civil and criminal penalties.
Complete all assigned compliance training in a timely manner, including BSA/AML training programs and be able to pass tests to demonstrate your knowledge of these regulations.
Perform only tasks where you are licensed, to include NMLS, Notary or any other tasks which require a specific certification.
Participate actively and in a cooperative manner in all internal/external loan examinations.
May work with Mortgage Compliance Officer to ensure loan covenants and other lending requirements remain compliant with applicable laws and regulations.
Maintain knowledge on all bank products, credit standards, services and trends and provide efficient customer services.
Participate in various business development calls with Relationship Managers and develop efficient credit proposals and structure for same.
Participate in client meetings and assist Relationship Managers in arranging credit facilities and appropriate related documentation.
Participate in sales planning initiatives and assist in the design of appropriate relationship plans to generate new business.
Contact customers directly to gather updated information, financial and non‑financial, as needed.
Serve as a secondary point of contact for assigned commercial clients, ensuring timely responses and high‑quality service delivery.
Support onboarding of new commercial relationships, including coordination with loan ops and documentation teams.
What You'll Bring
Prior experience (minimum 2 years) as a commercial credit analyst in a financial institution preferred. Prior direct supervisory experience desired.
Bachelor’s degree; preference in Business, Finance, Economics or Accounting (major or minor) or an equivalent combination of work experience and education.
Basic knowledge of bank regulations and general commercial lending practices.
Fluent using Microsoft Office Suite products and financial spreading software (Bukers, Moody’s, Baker Hill, etc.).
Valid state driver’s license.
Complete understanding of significant ratios derived from spreading financial statements and the ability to analyze the financial health of an entity based on significant ratios and changes over time in those ratios.
Knowledge of commercial & commercial real estate underwriting required.
Knowledge of residential and consumer lending areas desired, though not required.
Understanding of business entities and the unique legal, accounting, and taxation requirements of each.
Knowledge of borrowers, co‑borrowers obligors and guarantors.
Understanding of types and characteristics of real and personal property ownership.
Understanding of the laws of creditor's rights with respect to real and personal property.
Working knowledge of loan documentation and covenants under various structures.
Strong written and verbal communication skills.
Strong organizational skills and ability to manage multiple priorities in a deadline‑driven environment.
Physical Requirements Duties are generally sedentary, requiring sitting for long periods. May require occasional travel within the County limits and occasional travel outside of the county to attend conferences/seminars or classes.
What We Offer
Competitive salary and benefits package.
Training and ongoing professional development.
Opportunities for career advancement within First Federal.
A supportive, team‑oriented work environment where your contributions are valued.
Pre‑Employment Requirements
Pre‑employment drug screen - excluding Marijuana.
Criminal background screen.
Consumer credit report.
DMV record search.
Ready to Apply? If you're ready to make a difference in the lives of our customers and grow your career in banking, we encourage you to apply today!
Click here
to submit your application and join our team!
Deadline for Application: Position will remain open until it is filled.
Equal Opportunity Employer Statement First Federal is an Equal Opportunity Employer – Vets/Disabled, and committed to a diverse workforce. First Federal participates in the Federal E‑Verify Program and is an affirmative action employer. If you need assistance with completion of an application for employment, please contact the Human Resources Department at 503‑435‑3241 or email HumanResources@FirstFedWeb.com.
Key Concepts Banking, Commercial Lending, Credit Analysis
#J-18808-Ljbffr