Umpqua Bank Business Banking Relationship Manager in Seattle, Washington

As the account executive, you will establish and maintain a "trusted advisor" relationship with clients based on knowledgeable advice that is aligned to the clients' business objectives. You'll need to develop and grow new business and relationships with prospects. How will you drive financial performance? Through profitable revenue and growth, and quality credit. This role covers new and existing clients with business portfolios from $1 to $10 million in revenue.

Functions

  • Achieve individual annual production and growth goals for loans, deposits and fees. This will ensure the bank meets its overall financial targets and conforms to credit terms.

  • Initiate and develop new business through outside business development activities.

  • Develop a comprehensive understanding of client's needs, based on the review and analysis of personal and business financial data gathered through relationship reviews and personal meetings.

  • Actively participate in community organizations to cultivate business development opportunities and demonstrate Umpqua's commitment to the local community.

  • Build client referral pipeline via identification and development of internal and external centers of influence.

  • Develop and maintain an in-depth knowledge of products and services as well as knowledge of competitors and competitive products. Proactively promote and cross-market bank products and service, and keep clients informed of special promotions.

  • Consistently partner with other internal business partners to uncover opportunities to deepen the client relationship.

  • Responsible for credit and deposit needs for commercial banking and commercial real estate investment customers involved in ownership and/or operation of businesses or who invest in or develop real estate.

  • Partner effectively with credit officers.

  • Make decisions on loans and terms within established lending limits, or refers these issues to next appropriate level of authority. Analyze credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements.

  • Follow-up on current loans to ensure compliance with internal procedures and other required terms.

  • Demonstrate compliance with all bank regulations that apply to your position, and keep up to date on regulation changes.

  • Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations that apply to your position.

Qualifications

  • Bachelor's Degree in business related field or equivalent work experience.

  • 3-5 years of relevant commercial lending experience and/or prior experience as a commercial credit underwriter.

  • Strong relationship management and business development abilities, analytical and problem-solving skills, strong sales skills, and credit and credit quality skills.

  • Knowledge of commercial C&I bank products and services that result in successfully capitalizing on all opportunities to cross-sell the bank's products.

  • Proven track record of success and skills in developing new clients and business, including prospecting, sourcing and networking.

  • Strong credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience.

  • Knowledge of commercial lending policies, procedures, practices, banking regulations and documentation, and small business operations.

  • Possesses a good understanding of balance sheet, income statement and cash flow analysis.

  • Demonstrates strong knowledge of bank's risk-rating system, credit products and underwriting policies.

  • Working knowledge of structuring credit products for small businesses in diverse industries.

  • Experience with working capital, equipment and real estate financing.

Physical Requirements and Working Conditions

Work involves:

  • Sitting

  • occasional walking

  • lifting up to 10 pounds.

  • requent local travel.

About Us

We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.

Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.