Evan Heriot
Springfield,OR
Summary
Commercial banking and SBA lending professional with 15+ years of experience in relationship management, credit underwriting, and business development. Proven ability to grow loan portfolios, structure complex financing solutions, and guide clients through the full lending lifecycle. Deep expertise in SBA 504 lending, middle-market C&I lending, and risk management.
Overview
19
19
years of professional experience
Work History
Vice President & Senior Loan Officer
Northwest Business Development Association
Eugene, OR
05.2017 - 04.2026
- Developed new business for the SBA 504 loan program through strategic networking with financial institutions, brokers, and small business owners
- Screened prospective borrowers for SBA eligibility and ensured compliance with SBA policy guidelines
- Led clients through the full SBA application process, coordinating with borrowers and partner lenders
- Underwrote and recommended loans for approval prior to SBA submission
- Collaborated with closing teams to complete funding of SBA 504 debentures
Vice President, Relationship Manager
Columbia Bank
Seattle, WA
01.2015 - 01.2016
- Managed and expanded relationships with middle-market C&I clients
- Structured and negotiated loan terms to align with client needs while maintaining profitability and managing risk
- Partnered with credit officers to underwrite and present loan packages to credit committee
- Approved loans within delegated authority
Relationship Manager
Northwest Farm Credit Services
Seattle, WA
01.2007 - 01.2015
- Managed a commercial loan portfolio that grew from $40M to $70M within the commercial fisheries sector
- Served as primary relationship manager for clients ranging from small owner-operators to large-scale operations
- Underwrote and approved loans within delegated authority while identifying and resolving credit risks
- Supervised branch staff to ensure strong customer service, accountability, and operational efficiency
- Assisted regional leadership with annual budgeting and participated in audits across credit, risk, and operations
- Represented organizational mission and values to clients, stakeholders, and the public
Education
Bachelor of Science (B.S.) - Business Administration & Finance
Oregon State University
Skills
- SBA 504 Lending
- Commercial & Industrial (C&I) Lending
- Credit Analysis & Underwriting
- Loan Structuring & Negotiation
- Portfolio Management
- Business Development
- Risk Management
- Client Relationship Management
Timeline
Vice President & Senior Loan Officer
Northwest Business Development Association
05.2017 - 04.2026
Vice President, Relationship Manager
Columbia Bank
01.2015 - 01.2016
Relationship Manager
Northwest Farm Credit Services
01.2007 - 01.2015
Bachelor of Science (B.S.) - Business Administration & Finance
Oregon State University