Consumer Personal Banker

Depending on qualifications and experience, Commercial Banking Officer II or III may be considered.

At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy
As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *Heritage Bank has an exciting opportunity to join our organization We are seeking an experienced c ommercial banking officer to join our Bellevue Commercial team. This position provides a full range of commercial banking services, including developing new business and client relationships; producing a variety of commercial loans; generating and managing a portfolio of business and corresponding relationships; seeking new accounts through calling efforts, marketing, and referrals; as well as coordinating the cross-sale and delivery of bank products and services to clientele while serving as a trusted advisor. This position will also have responsibility for underwriting, structuring, and closing commercial loans that meet established lending requirements and maximizes profitability to the Bank with minimal risk. Depending on level of position, may have responsibility to develop, train, coach, and motivate less experienced bankers to achieve the Bank's loan goals.
This position is fully on-site in Bellevue, Washington.
Establish and service a sound loan portfolio by cultivating new and expanding existing business through an effective calling program. Work to establish his/her role as a trusted financial advisor.
Evaluate the overall resources and capabilities of the client/prospect's business, considering current industry dynamic, financial and operational strategy, economic conditions and market trends and prioritizes client/prospect opportunities.
Analyze client/prospect needs, and recommends appropriate solutions that match those needs, consistent with the Bank's credit culture, and maximizes Heritage Bank's profitability and shareholder value.
Negotiate terms/conditions, structure loan financing based on risk considerations consistent with Bank policy and Asset/Liability guidelines; and/or prepare/ present credits outside lending limits for approval to appropriate levels of authority, as required.
Foster and maintain cohesive partnerships and working relationships with all lines of business within the Bank to build a trusted and productive sales and service referral process.
Effectively evaluate and manage each client relationship and transaction for financial and credit risk and potential loss to the Bank, ensuring adequate safeguards and monitoring of accounts. Ensures collateral, routinely reviews cash-flow and ensures standards and loan terms are met on an ongoing basis.
Proactively leverage ideas, insights, and relationships to generate new and incremental loan and deposit business for Heritage Bank; utilizes existing client/prospect base and network of clients/prospects referral sources and means of improving client acquisition and retention.
Ensure timely and thorough monitoring of all credits through periodic reviews, continued analysis, proper credit quality grading, and proper documentation. Maintains ongoing contact with client to be kept current on significant changes in financial condition or operations. Monitor the performance of the borrower over the life of the loan. Able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy.
Comply with government regulations by maintaining an up-to-date knowledge of commercial law, UCC, and banking regulations/policy to assure conformity with required laws and terms.
Maintain an awareness of competitive products, practices, rates and changes in the local market.
Ensures Bank activities are performed in compliance with the Bank's Policies and Standards, in partnership with Enterprise Risk Management and other internal banking partners.
Represent the Bank in the local community through proactive participation in community, charitable, business and social activities to allow for maximum client and customer contact.
Bachelor's degree in Business, Finance, Accounting or Marketing - preferred.
Level II - 5+ years of commercial banking experience providing financial expertise, counsel and customized solutions to business clients; advanced knowledge of commercial real estate and C&I lending practices - preferred. Must have excellent business development skills with proven success in prospecting and building relationships to enhance commercial loan opportunities and entrusted to make quality credit decisions.
Level III - 8+ years of progressively responsible commercial lending experience providing financial expertise, counsel and customized solutions to business clients with proven experience successfully managing complex commercial banking relationships required. Advanced knowledge of credit underwriting, loan structuring, credit/credit quality and commercial real estate and C&I lending practices required. Strong relationship management and business development/sales skills required.
Formal credit training and/or Pacific Coast Banking School Graduate or equivalent - highly desired.
Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally.
Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions.
Networking and relationship building skills, with demonstrated expertise and success in business development and sales processes and strategies.
A proven track record as an individual contributor who has grown top line results in a service oriented business.
Effective listening, verbal, written, and telephone etiquette business communication skills, including effective questioning strategies and presentation skills; ability to read, write, speak and understand English well.
Ability to identify recurring and non-recurring sources of cash flow and guarantors' ability to service debt.
Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.
Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
Understanding of the Bank's credit underwriting policies and approval process for assigned loans.
Ability to handle and deal with sensitive and confidential matters in an efficient manner.
Proficient PC experience using MS Office products (Word, Excel, Outlook) and retrieval of data; working knowledge of automated financial systems, with the ability to learn and adapt to new technologies quickly.
There may be frequent employee and customer contacts and interruptions during the day.
~ Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
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