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Columbia Bank · 2 weeks ago

Senior Client Solutions Manager

Lake Oswego, OR

Full-time

Onsite

Senior Level, Lead/Staff

$102K/yr - $190K/yr

10+ years exp

Columbia Bank is seeking a Senior Client Solutions Manager who will be responsible for managing complex commercial relationships and credit risk monitoring. The role involves collaborating with senior bankers to expand client relationships and identify additional banking opportunities.

BankingFinanceFinancial Services

Responsibilities

Responsible for credit/risk monitoring; CR workflow management & prioritization; and engagement with underwriting, QA, and QC partners

Leads (or co-leads) cross-offering of additional products/services to clients, and partner collaboration & coordination

Will partner with the most senior Bankers to share responsibility for the largest, and most complex portfolios within Commercial and Corporate Banking

Assists Bankers with portfolio management, partner collaboration, and client-engagement to develop and grow new and existing commercial business relationships

CSM is a second, primary touch-point between Bank and Client

Responsible for identifying additional loan, deposit, and core fee income opportunities (products; services; solutions) for new and existing commercial clients to add/deepen value to the client; drive additional revenue growth; establish/maintain complete banking relationships; bolster client experience and satisfaction

Reports to Market Director

Expert level underwriting, credit monitoring and portfolio management skills

Utilize existing financial/market information and Relationship Expansion Tool, to identify additional products/services that would satisfy client needs and establish/deepen complete relationships

Makes recommendations on loan structure & terms and refers these issues to next appropriate level of authority

Analyzes credit to determine the ability of customers and prospective customers to qualify for borrowing requirements

Uses qualitative and quantitative information to uncover potential client needs

Partners with the Banker as the second, primary point of a contact for the client

Attends meetings with clients; focus on expanding mature relationships by assessing client needs

Acts as a liaison to the Core Fee Income business partners, Credit Department, the Commercial support staff and other internal business partners

Ensures client is approved for all ancillary products and services and proposes to deepen relationships accordingly

Spends 30% of time on direct client-impacting activities, consulting with Banker

Achieves individual annual production and growth goals (relationship expansion) for loans, deposits and core fees to ensure the bank meets its overall financial targets and balanced-growth objectives

Achieves Portfolio Management goals by ensuring proper adherence to proper risk-mitigation practices

Develops a comprehensive understanding of client’s needs and future needs based on the review and analysis of personal, business, financial, and market data gathered through relationship reviews, client engagement, market research, and partner collaboration

Participates in ongoing relationship reviews with all clients

Manage client’s additional credit requests, renewals and reviews

Manage and monitor a large, complex commercial loan portfolio and commercial relationships by analyzing financial data & information to determine the merits of specific loan requests

Accountable for application and underwriting quality

Involved in documentation review

Collaborate with Banker to make formal recommendations and presentations to Commercial Relationship Manager and Credit Administration

Ensure the loan portfolio is properly risk rated

Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines

May mentor/coach/train and/or direct the work of others

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training

Keeps up to date on regulation changes

Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description

May be asked to coach, mentor, or train others and teach coursework as subject matter expert

Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words

Takes personal initiative and is a positive example for others to emulate

Embraces our vision to become "Business Bank of Choice."

May perform other duties as assigned

Qualification

Commercial underwritingCredit monitoringPortfolio managementRelationship managementBusiness developmentAnalytical skillsCredit quality skillsSales skillsRisk identificationLoan structuringMS ExcelMS WordMS PowerPointInterpersonal skillsPresentation skills

Required

More than 10 years of relevant commercial banking and/or prior experience as a Portfolio Manager and/or Commercial Underwriter

Expert knowledge of commercial underwriting, credit monitoring, and portfolio management

Proven advanced relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills

Strong credit acumen including but not limited to: loan structuring, concise underwriting, appropriate risk identification & mitigation, and ongoing risk & relationship management of a commercial portfolio

Superior understanding of credit policy and procedures and can accurately determine risks of loans/credits; and evaluate both cash-flow and collateral-based loans/credits

Advanced knowledge of commercial bank products and services that result in successfully capitalizing on all opportunities to cross-offer the bank's solutions to the client's benefit

Excellent verbal, written, interpersonal, and presentation skills

Ability to work effectively with individuals and groups across the company to manage customer relationships

Ability to partner with team

Ability to engage in client-facing service and sales activity

Advanced proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint