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.
Responsible for underwriting credit requests for
large corporate and middle market companies. Manages a commercial loan
portfolio of moderately to highly complex relationships, in collaboration with
relationship managers, with the goal of delivering customized credit solutions
to clients while minimizing credit losses and maintaining compliance with
credit review policy. This is the most senior level of Credit Products Officer,
capable of leading a deal team and assisting the division credit manager in the
supervision of junior credit officers, credit associates and support staff.
Essential Job Functions
- Together with Relationship
Manager, takes primary responsibility for managing credit needs of a
portfolio of 15 or more commercial banking relationships. Provides consultative underwriting
advice, develops customized credit solutions, performs credit analysis and
presentation and proactively manages the credit portfolio to meet
customer's and prospect needs and minimize credit losses to the Bank.
- Ensures development and
preparation of effective proposals for presentation to existing and
potential customers. Leads credit
deal team in the preparing credit memos, making recommendations and signing
final credit document. Ensures credit facilities and transactions are
properly analyzed, risk rated, structured, priced, and documented.
- Acts as a deal team leader
overseeing credit and underwriting activities of other officers and
associates. May oversee the work of others, including financial spreads,
projections and preparation of credit memos by training less-experienced
- Works closely with the
Relationship Manager on financial, business and industry due diligence
including jointly calling on commercial clients and prospects.
- Supports unit's growth and
profitability by delivering an unparalleled client experience through
timely underwriting of credit requests and proactive monitoring of the credit
- Works closely with other CBG
Departments (e.g. Cash Management, Capital Markets, Equipment Leasing,
Trade Finance), and other major areas of the Bank to manage the risk of
complex financial products and services.
- Ensures quality
control and risk management of relationships managed. Identifies,
classifies, and monitors problems or potential problem loans in compliance
with the internal credit review policy. Directly, or through credit
officers or analysts, tracks and monitors receipt of financial reporting
and covenant compliance certificates.
Other Job Duties
- Interacts with Credit &
Counterparty Risk officers, Industry vertical bankers, Appraisal Review,
Legal, and other related Bank personnel regarding issues of credit
quality, appropriate compensation for risk, as well as new business and
related industry trends.
- Views credit quality as a
personal obligation; exhibits independent judgment; ensures balanced loan
presentations; responsible for timely portfolio monitoring; proactive in
problem detection/resolution; maintains balance between growth and credit
- May act as a specialist for the
Bank in specific industry. Keeps current on all economic and other issues
- Performs other duties as
- Bachelor's Degree required with
concentration (or equivalent college course work) in business, finance, or
- Minimum of 5 years’ experience
of demonstrated commercial credit underwriting and loan structuring experience
with middle market & large corporate transactions; preferable Asset
- Demonstrated capability in advanced
financial and cash flow analysis
- Excellent working knowledge of
Microsoft Office (Word, Outlook, Excel)
Equal Employment Opportunity Policy
- Ability to perform
independently with a minimum of supervision.
- Excellent written and verbal
- Good organizational
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.
Primary Location: United States-California-Los AngelesJob Type: Full-timeJob: Business / Commercial Banking