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SAD Section, Manager Group -- SBA

Type de contrat

Full-time

Localisation

United States-California-Sacramento

Métier / fonction

Risk Management

Réference

026800

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.
 
The regulations implementing the S.A.F.E. Act statute require that individual mortgage loan originators be registered with the Nationwide Mortgage Licensing System and Registry.
 
Position Summary
 

Responsible for managing a small team of portfolio officers with overall responsibility for the collection and restructuring of Small Business Administration and C&I problem loans, both unsecured and secured by various types of collateral including real property, inventory, accounts receivable, stocks, etc. Has direct account responsibility for larger transactions and indirect responsibility for other transactions assigned to team members. Generally responsible for 25-50 relationships of $50-$100 million.  Position has delegated approval authority.

 

Essential Job Functions
 
  1. Must be an expert in SBA requirements for workout situations.
  2. Evaluates collateral, loan documentation, and financial information to determine borrower's ability to repay.
  3. Develops repayment action plans accordingly.
  4. Oversees and conducts negotiations with borrowers and borrower's counsel and makes necessary judgments based on conditions presented to protect the bank's interest and achieve maximum recovery.
  5. Trains and motivates team members to achieve special assets' goals.
  6. Represents the bank in court on litigation and bankruptcy cases.
  7. Oversees all activities necessary to foreclose on real property held as collateral.
  8. Directs activities to ensure effective management and maintenance of properties including compliance with all environmental and regulatory requirements.
  9. Directs the liquidation of collateral assets.
  10. Analyzes and determines impact of bankruptcy filings; ensures protection of bank's position as a creditor.
  11. Provides advice and counsel to lending units in handling troubled loans.
  12. Interacts with internal and external legal counsel to develop collection strategy.
  13. Controls legal and other expenses associated with assets under management.
  14. Supervises employees directly including selection, training, performance appraisal and work allocation.
  15. Reports status of team’s assets and results of workout efforts to management.
  16. Performs other duties as assigned.
 

Education
Required Education or Equivalent Experience
  • Bachelor’s Degree in Accounting or Finance required
  • Master’s/Advanced Degree preferred
 
Required Experience
 
Requires broad management and leadership knowledge to lead project teams multiple job areas, with particular subject matter expertise in Small Business Administration requirements. Typically has mastery level knowledge and skills within a specific technical or professional discipline with broad understanding of other areas within the job function. Requires 10-15 years minimum prior relevant experience. 
 
 
Administrative/Technical Skills/ Other Information
 
1.    Thorough knowledge of secured and unsecured lending practices, documentation and legal requirements.
2.    Analytical and research
3.    Negotiation skills
4.    Coordinate meetings
5.    Compose letters/memoranda
6.    Performs math and analysis
7.    Planning and organizing
8.    Problem solving
9.    Use personal computer
10.  Written and verbal communication
 
The above statements are intended to describe the general nature and level of work being performed.  They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
 
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.