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 leading a team of credit administrators and other staff to facilitate and support 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 highly complex credit arrangements. Lending authority is generally $10 million or higher.
Essential Job Functions
Other Job Duties
- Leads a team of credit administrators and other staff who facilitates 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. Directly handles significant, highly complex loans and 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.
- Directly supervises credit administrators including selection, development, and performance management. May also have responsibility for managing other related functions such as agricultural field representatives.
- Develops and conducts training classes on new or updated procedures.
- Ensures monitoring compliance with internal and regulatory requirements.
- Reviews analysis of 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.
- 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.
Equal Employment Opportunity Policy
- Thorough knowledge of commercial and/or real estate lending policies, practices, documentation, and legal and regulatory requirements.
- Thorough knowledge of financial statement, business, industry and economic analysis.
- Complete understanding of syndications, capital markets, and other highly complex lending facilities.
- May require specific industry knowledge, i.e.. agribusiness, real estate construction, etc.
- Analytical and research.
- Bank product and service knowledge.
- Verbal and written communication.
- Negotiation skills.
- Presentation skills.
- Use personal computer.
- Planning and organizing.
- Management skills.
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-San FranciscoJob Type: Full-timeJob: Risk Management