At Bank of the West, our people are having a positive impact on the world. We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.
Job Description Summary
Responsible for planning, directing and managing activities of a defined CBG (NBD/REID/ABD) banking regional market area to accomplish profit, growth, referral, quality, and service objectives. Responsible for overall planning and performance in all of the following functions within assigned market: business development, customer retention, credit and service quality, and human resources management. Has full Profit & Loss responsibility for business unit. Market area may be designated to cover specific industries or business activities requiring special expertise. Generally targets companies within the agribusiness sectors (grower, shipper, packer, and first level processor). Manages a defined market area with 2 or more banking offices.
Essential Job Functions
- Analyzes pertinent financial and credit data; has authority to approve loans within delegated signing authority level; recommends to higher level of authority if appropriate and/or recommends loans for denial. Establishes pricing for loans within guidelines established at the Division and Group level; provides input regarding loan product pricing and features for loans over approval authority.
- Implements policies and procedures throughout defined market area to comply with fundamental business and credit priorities of the Bank. Ensures a high standard of credit quality through the process of credit approval and aggressive portfolio monitoring and management. May or may not have delegated lending authority depending on the size and scope of the assigned market area.
- Assumes responsibilities for carrying out operations in accordance with federal and state laws and regulations, securing professional counsel when necessary. Ensures that their assigned market area's operating procedures are in compliance with the approved policies and procedures of the Bank. Ensures that customer service personnel maintain a positive, customer-focused attitude achieving stated service standards.
- Obtains and evaluates general and specific business conditions, and keeps division management advised on such matters. Gathers market intelligence so that market opportunities may be capitalized on as they occur and the effects of competitive activity may be minimized. Makes recommendations regarding the Bank's product and market coverage in collaboration with research, product development, marketing, pricing, and operational activities.
- Participates in community and business functions/groups to ensure a positive image for the Bank within the designated marketplace. Ensures compliance with CRA outreach program. Represents the Bank as appropriate in its relationships with joint ventures, major customers, suppliers, competitors, government agencies, professional societies and similar groups.
Other Job Duties
- Prepares short and long-range plans. Develops budgets for the unit and allocates funds within budget limits to accomplish objectives. Monitors variance against budget on an ongoing basis.
- May participate in acquisition and growth or divestiture activities in designated market, including investigations and evaluations in accordance with Bank objectives and plans.
- Manages employees directly and through subordinate managers, including selection, resource allocation, and performance management. Conducts regular staff meetings with subordinates to communicate information, discuss problems, train staff on any procedure changes, and provide forum for staff to discuss pertinent issues.
- Performs other duties as assigned.
- Requires broad management and leadership knowledge to lead project teams multiple job areas.
- 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 12-15 years minimum prior relevant experience.
- Bachelor's Degree Business
- General Administrative/Technical Skills
- Thorough knowledge of commercial lending, sales, and financial service needs of middle market and large corporate companies and/or specific industry designated.
- Specific industry/market knowledge may be required.
- Analytical and research Bank product and service knowledge
- Demonstrated management skills
- Marketing skills
- Negotiation skills
- National Banking Division Generally targets companies with sales of $50 million or higher.
“To protect the health and safety of our employees and customers, Bank of the West requires all U.S. employees to provide proof of their vaccination status. Employees who are not fully vaccinated must undergo regular testing beginning May, 2022.”
Equal Employment Opportunity Policy
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.