Commercial Loan Officer IV - Portland
Company: Riverview Community Bank
Posted on: November 26, 2022
This position is full time and is eligible for a competitive
benefits package including medical, dental, life insurance, 401K
and paid time off.
This position handles the largest and most complex loans and is
responsible for the soliciting of new commercial account
relationships which includes loans, deposits and other products
that provide fee income to the Bank. Officer will also manage a
portfolio of over $40MM in loans.
Develop prospect list and a calling program to solicit new business
Underwrite financial packages provided to determine if loan
requests meet Bank credit policy.
Work closely with Credit Analysts and Portfolio Managers to prepare
and present a Credit Memorandum to appropriate approval level for
new loan request.
Negotiates terms and approval conditions with prospective
Work closely with Portfolio Managers to manage existing loan
portfolio ensuring risk ratings are appropriate; financial
information is current; loan covenants are monitored and loan
payment delinquencies are minimal.
Ensures timely and thorough monitoring of all credits through use
of management reports such as Out of Compliance Report; Term Loan
Review Report; Delinquency Report and Maturing Loan Report.
Understands and observes all laws and regulations that relate to
Additional duties and responsibilities:
Projects professionalism in both appearance and attitude when
dealing with customers in order to present a positive Riverview
Community Bank image.
Coordinate when necessary with other departments.
Participates in and completes all required training modules with
Follows all state and federal laws, and all Riverview policies and
Work with Portfolio Manager (PM) and Commercial Loan Assistant
(CLA) in managing the relationship portfolio and provide mentoring
and guidance to the PM and CLA to improve their career path
Other duties may be assigned.
Maintain strong working relationship with Commercial Loan Team
Leader, peers in the lending area, retail banking and other support
areas to build a team effort.
Maintain close contact with customers to ensure that service levels
are appropriate and seek new loan opportunities.
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
EDUCATION and/or EXPERIENCE:
Bachelor's degree; business, finance or related field preferred,
seven or more years of commercial lending experience, strong credit
and analytical skills, excellent communication and sales skills,
and knowledge of bank services; or equivalent combination of
education and experience.
Ability to communicate with borrowers and build strong
Ability to read, analyze, and interpret credit related journals,
bank lending policy, or governmental regulations.
Ability to write concise credit memorandums and other business
Ability to effectively present loan proposals and respond to
questions from managers, loan committees and clients in a
Ability to work with mathematical and financial concepts such as
Global Cash flow and other financial ratios that indicate the
strength of a business or individual who borrows for business
Ability to resolve day to day problems and deal with a variety of
issues that may arise in working with borrowers with minimal
Ability to understand loan structure that protects the bank and
increases probability of borrower repaying loan is essential.
Ability to effectively present information and respond to questions
from groups of managers, clients, customers, and the general
Ability to define problems, collect data, establish facts, and draw
Intermediate computer and keyboarding skills.
Basic skills associated with the general use of business office
While performing the duties of this job, the employee is regularly
required to sit and talk or hear. The employee frequently is
required to use hands to finger, handle, or feel and reach with
hands and arms in accessing and working with files. The employee is
occasionally required to stand; walk; and stoop, kneel, crouch, or
crawl. The employee may be asked to move files, boxes, or small
pieces of furniture and must frequently lift and/or move up to 25
pounds and occasionally lift and/or move up to 100 pounds. Specific
vision abilities required by this job include close vision in
working with written forms and computers.
While performing the duties of this job, the employee is
occasionally exposed to risk of electrical shock in working with
standard office equipment indoors. The noise level in the work
environment is usually moderate.
In supporting the accomplishment of company and departmental goals,
it is the employee's responsibility to do all that is necessary to
provide quality service to customers and fellow employees while
furthering the positive image and interests of Riverview Community
Bank. It is also the employee's responsibility to continually
strive to maximize personal growth.
Bachelors or better in Business and Finance.
or a combination of education and experience or better.
Years Exp 7 or better.
Licenses & Certifications
Equal Opportunity Employer/Protected Veterans/Individuals with
The contractor will not discharge or in any other manner
discriminate against employees or applicants because they have
inquired about, discussed, or disclosed their own pay or the pay of
another employee or applicant. However, employees who have access
to the compensation information of other employees or applicants as
a part of their essential job functions cannot disclose the pay of
other employees or applicants to individuals who do not otherwise
have access to compensation information, unless the disclosure is
(a) in response to a formal complaint or charge, (b) in furtherance
of an investigation, proceeding, hearing, or action, including an
investigation conducted by the employer, or (c) consistent with the
contractor's legal duty to furnish information. 41 CFR
Keywords: Riverview Community Bank, Portland , Commercial Loan Officer IV - Portland, Other , Portland, Oregon
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