The level of the position will be determined based on years of experience and skill set the candidate possesses.

This position is responsible for driving the loan closing process for CRE loans and ensuring moderate to higher complexity loan documentation adheres to loan approval. This position acts as a liaison with Credit Administration, Commercial Loan Processing and Servicing departments, internal and external legal counsel, Construction Administration, Loan Review, Audit, and other departments as required. This position ensures timely financial statement collection and proactively identifies and escalates early warning signs within the portfolio.

Flexible work location arrangement would be considered for this position.

Essential Functions

Inspect credit approval documents to ensure accuracy for documentation purposes
Review Commitment letters based on established requirements
Examine moderate to higher complexity loan documentation to ensure accuracy and accordance with loan approval requirements
Facilitate loan closings in conjunction with and on behalf of Relationship Manager
Ensure all loan approval conditions have been met within required time frame
Ensure timely collection, review and evaluation of all financial statement requirements from borrowers and guarantors
Proactively identify and escalate declining financial performance/negative indicators within the loan portfolio on a timely basis
Administer moderate to higher complexity construction loans in accordance and in conjunction with the Construction Loan Administration group as needed
Follow covenant testing protocols and manage waiver letter process when applicable
Act as the first line of defense to recommend and process timely risk rating changes in conjunction with the Relationship Manager
Monitor loan management tracking reports and ensure timely action and escalation as warranted collaboratively with Market Executives, Relationship Managers, Credit Administration and Loan Operations
Initiate and/or complete loan modifications per established protocols
Manage and maintain collateral requirements including ordering appraisals, environmental reports and property searches
Coordinate and assist with criticized loan reports as part of the Watch List program
Act as a liaison with Commercial Loan Operations, Loan Review, Audit, examiners and other departments as required
Jointly call on clients to stay apprised of business activity/performance and serve as additional contact point
Facilitate client service requests
Optimize client relationships and create an exceptional client experience
Comply with all corporate standards and audit-related matters in specific areas of responsibility
Remain current on all banking rules and regulations
Establish increased productivity and profitability

Additional Essential Functions

Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment

Additional Responsibilities

Complete other duties and special projects as requested by management

Safety and Health

Abide by the rules of the safety and loss prevention program
Perform work tasks in a safe manner
Report any and all injuries to supervisor
Know what to do in case of an emergency

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Bachelor's Degree in Business, Finance, or related degree preferred

Work Experience

6+ years relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager and/or Credit Officer/Underwriter working with moderate to complex credits and documentation preferred

6+ years experience working with CRE lending. Construction Administration experience a plus.

General Employee Knowledge, Skills, and Abilities

Ability to establish effective working relationships among team members and participate in solving problems and making decisions – Extensive Proficiency
Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written – Extensive Proficiency
Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information – Extensive Proficiency
Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information – Extensive Proficiency
Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas – Extensive Proficiency

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Skills