Credit Risk Manager Jobs in Bellingham, WA (NOW HIRING)

Location: Bellingham area

Annual salary plus performance-based incentive program. Hiring salary based on experience.

As a member of our Commercial Banking Team, the role serves as a proactive, client-focused trusted financial partner to clients through a seamless delivery of credit and depository services. Participates in business development efforts by identifying referrals and prospects and calling on relationship clients/prospects to achieve sales goals. Provides premier client service while assuring bank and division profitability and asset quality standards are met.

Relationship Management/Client Service:

Maintains responsibility for retaining and expanding a specific book of relationships, understanding the intricacies of each relationship to provide superior service to Bank clients. Deliver personalized banking strategies that align with client objectives, enhancing their business operations through our comprehensive suite of banking services.

Sales/Business Development:

Proactively investigates opportunities for expanding market share and making business more profitable, focusing on identifying prospective clients and additional banking needs among current clients. Identifies opportunities and continually prospects for new clients. Generates leads through existing relationships and other referrals sources.

Risk Management:

Controls and minimizes potential risks through proactive relationship management and thorough knowledge of compliance and risk management. Keeps abreast of applicable laws and regulations relevant to banking services.

Qualifications:

• Education: Bachelor’s Degree in Finance, Accounting, Business or related field. 
• Experience:

• Seasoned commercial lender with at least 5 years of experience, generally working with clients with revenues ranging from $5 million to $150 million. 
• Ability to work with clients as a trusted advisor, with moderate to complex credit needs.  Excellent relationship management skills required, along with a strong credit background and business development acumen.  
• Experience in the sales of cash management products or related sales experience at a financial institution.
• Work experience in relationship management, including experience in specific unit areas like cash management, real estate, commercial lending, and consumer lending.

• Knowledge:

• Knowledge of Bank lending procedures, as set by the current, published Loan Policy.
• Advanced loan documentation knowledge; understanding of complex credit structures and documentation.
• Working knowledge of Bank products and services.

• Skills:

• Proven analytical skills; ability to review and interpret complex data (determining risk, assessing complexity of accounts, etc).
• Excellent written and verbal communication skills; ability to analyze, synthesize and articulate complex ideas and communicate such to colleagues, team members, and clients.
• Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for results, and developing working relationships with potential and current clients.
• Ability to set and achieve challenging goals.

Compensation:

Relationship Manger II: $105,638 - $158,457
Relationship Manger III: $128,670 - $193,005
Relationship Manger IV: $149,257 - $223,885

The compensation range represents the low and high end of the base compensation range for this position located in Bellingham, WA. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is also eligible to participate in an applicable annual bonus and incentive compensation plan.

What Our Culture Can Offer You:

Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.

Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outlined by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.