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Credit Administrator

Type de contrat



United States-California-San Francisco

Métier / fonction

Risk Management



What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.


Position Summary

Responsible for facilitating and supporting the bank’s objectives to increase earning assets while maintaining quality standards by approving or declining commercial and/or real estate loans, and by working closely with assigned units to negotiate and structure complex credit arrangements.  Lending authority is generally $5 million.


Position Accountabilities

  • Facilities commercial and/or real estate loan originations by working with line officers in structuring and development of loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements.  Makes joint calls as needed. 
  • Reinforces adherence to bank underwriting policies and procedures and growth, quality and profit objectives through the loan approval process.
  • Implements and reinforces policies and procedures to comply with fundamental business and credit priorities of the bank.
  • May conduct training classes on new or updated procedures.
  • Assists in monitoring compliance with internal and regulatory requirements.
  • Analyzes pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority.  Recommends to higher level of authority if appropriate.
  • Interacts with internal and external auditors on regulatory issues of quality and on related trends.
  • Assists in identifying and managing troubled assets and potential troubled assets in assigned area.
  • Provides guidance to line offices as applicable on identification and management of classified and/or troubled loans.
  • Follows commercial loan risk ratings to ensure maintenance of a quality loan portfolio.
  • Performs reviews of specific portfolio composition and quality as assigned.
  • Interacts with line units and service centers, operations, accounting, appraisal, legal and other related bank personnel.
  • Keeps informed of competitors’ rates and loan programs and recommends appropriate changes to current bank programs and rates.
  • Performs other duties as assigned or requested.

Required Education or Equivalent Experience

  • Bachelor’s degree


Required Experience

  • Five to seven years


Field of Experience

  • Complete knowledge of commercial and/or real estate lending policies, practices, documentation, and legal and regulatory requirements.
  • Complete knowledge of financial statement, business, industry and economic analysis.
  • May require specific industry knowledge, ie. agribusiness, real estate construction, etc.



Administrative/Technical Skills

  • Analytical and research
  • Bank product and service knowledge
  • Verbal and written communication
  • Negotiation skills
  • Presentation skills
  • Use personal computer

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law.   Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.


Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.