Description
Position Summary
Originate loans and offer products and services to business and professional clientele. Establishes, develops and retains customer relationships through referrals and business development. Responsible for development and maintenance of a loan portfolio and providing high quality, value-added client service.
Requirements
Essential Duties & Responsibilities
- Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
- Take time to understand applicant’s business/management
- Provide timely and responsive customer service
- Provide applicant bank products and services that enhance business success
- Accept credit applications; interview loan applicants
- Understand SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation
- Review applications and credit histories
- Review and analyze credit reports and financial information
- Evaluate existing and projected company cash flow
- Determine value of collateral; through review of appraisal, valuations, business financials, etc.
- Respond to inquiries regarding business and consumer lending and other Bank products
- Recommend approval or rejection of credit applications within bank and SBA Criteria
- Maintain existing customer relationships; develop and expand new customer relationships
- Prepare detailed, complete, loan presentations (Credit Memos) for new credit applications, modifications and renewal requests
- Monitor loans through periodic reviews and documentation in conjunction with SBA Portfolio Manager and/or as requested
- Perform credit checks and site inspections as requested
- Review maturing loans, loan extensions and construction draws
- Collect past due accounts and/or support SBA Operations Officer in the collection of accounts
- Oversee loan documentation and processing including review and negotiation
- Properly maintain credit files including file memos updating the status of the client relationship
- Keep up to date on government guaranteed lending requirements
- Maintain knowledge of and compliance with banking regulations
- Be knowledgeable of and promote all bank products and services through the referral to bank partners
- Understand all internal Bank policies
- Perform other duties as assigned
- Ability to utilize technology to communicate effectively
Required Qualifications
- Bachelor’s degree in Finance, business or other relevant area; or equivalent work experience.
- 5 years’ experience in government guaranteed lending
- Proven business development skills
Preferred Qualifications
- Thorough knowledge of credit services and other banking services
- Thorough knowledge of lending policies and procedures
- Thorough knowledge of business cash flow
- Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
- Effective oral and written communication skills
Northwest Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Northwest Bank and has not been reviewed or approved by Northwest Bank.
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Healthcare Strength — Comprehensive medical, dental, and vision options are available with a choice between a traditional plan and a high‑deductible plan, plus virtual‑care and wellness discounts. HSA/FSA options and employer HSA contributions for full‑time employees help manage out‑of‑pocket costs.
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Retirement Support — A 401(k) program offers employer matching with immediate vesting to strengthen long‑term savings value. Eligibility begins shortly after hire, encouraging early participation.
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Leave & Time Off Breadth — PTO accrues by tenure and status, can be used in hourly increments, and the bank observes a broad set of federal holidays including Juneteenth. Limited carryover provides some flexibility for unused time.
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What We Do
Founded in 1896, Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, employee benefits, and wealth management services. It is committed to serving its customers and communities, embodying a philosophy where people make the difference.
