Job Description

Commercial Relationship Manager

Location: Salem, Kaiser, Albany - OR
Department: Commercial Banking
Reports To: Market President / Chief Lending Officer

The Commercial Relationship Manager (RM) is responsible for managing and growing an existing $40MM commercial loan portfolio, while also developing new commercial banking relationships. This role focuses on relationship management, business development, credit structuring, and portfolio oversight.

The RM serves as a trusted advisor to clients, ensuring strong asset quality, deepening relationships, and driving loan and deposit growth consistent with the bank's strategic objectives.

Key Responsibilities

Portfolio Management

• Assume responsibility for an existing $40MM commercial loan portfolio, maintaining strong credit quality and client retention.

• Conduct regular client relationship reviews and proactive portfolio monitoring.

• Ensure risk ratings are accurate and identify potential credit concerns early.

• Partner with credit administration to manage renewals, modifications, and annual reviews efficiently.

Business Development & Relationship Growth

• Develop new commercial banking relationships through active prospecting, networking, and community involvement.

• Expand wallet share within the existing portfolio through cross-selling of treasury management, deposit products, and other banking services.

• Structure, negotiate, and close commercial loans in alignment with bank policy and risk appetite.

• Build and maintain referral networks with CPAs, attorneys, brokers, and other centers of influence.

Credit & Risk Management

• Analyze financial statements, tax returns, cash flow, and collateral to assess credit risk.

• Prepare and present credit packages for approval.

• Maintain strong asset quality and compliance with regulatory and banking standards.

Community & Market Engagement

• Represent the organization at community and industry events.

• Support the organization's commitment to local decision-making and community involvement throughout Oregon.

Qualifications

Education & Experience

• Bachelor's degree in Business, Finance, Accounting, or related field (preferred).

• 5+ years of commercial lending or commercial banking experience.

• Experience managing a commercial loan portfolio.

• Proven track record of relationship development and portfolio growth.

Skills & Competencies

• Strong financial analysis and credit underwriting skills.

• Excellent relationship-building and communication skills.

• Demonstrated ability to source and close new business.

• Knowledge of commercial real estate, C&I lending, and treasury management products.

• High level of integrity, professionalism, and customer focus.

Performance Expectations

• Successfully manage and retain the existing $40MM portfolio.

• Achieve annual loan and deposit growth targets.

• Maintain portfolio credit quality within acceptable risk parameters.

• Demonstrate consistent new business development activity.

Why Join Us?

• Immediate opportunity to step into a meaningful, established portfolio.

• Local decision-making and relationship-driven culture.

• Strong community presence and reputation.

• Competitive compensation and incentive structure.

• Comprehensive benefits package.

• Opportunity to grow within a respected Oregon-based community bank.