The bank for a changing world

We are looking for

Senior Lead SCO

Apply REF: 041719

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 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, wealth management LOC's and by working closely with assigned units to negotiate and structure highly complex credit arrangements. Lending authority is generally $10 million or less. Generally supports one geographical area and/or one industry specialty, i.e.. agribusiness, real estate construction, etc.

Essential Job Functions

  •  Facilitates commercial, consumer real estate and wealth management credit by working with the business line in structuring and developing loan proposals to meet the customers’ or prospects’ needs while conforming to bank 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
  •   Reinforces adherence to the Bank’s underwriting policies and procedures as well as its growth, quality and profit objectives
  • 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
  •  Assists in identifying and managing troubled assets and potential troubled assets

Required Experience

  • Requires mastery level knowledge of job area typically obtained through advanced education combined with experience
  •  Requires at least 10 years commercial and/or consumer residential lending  experience.


  • Bachelor's Degree


  • Thorough knowledge of commercial and/or consumer real estate lending policies, practices, documentation, and legal and regulatory requirements
  • Thorough knowledge of financial statement, business, industry and economic analysis
  • Require specific industry knowledge in more than one industry, i.e. agribusiness, religious organizations, SBA, real estate construction, etc.,
  •  Bank product and service knowledge
  • Strong verbal and written communication skills
  •  Negotiation and presentation skills
  •  Able to use multiple internet based loan origination systems
  •  Well versed in Microsoft Office products (word, excel)
  • Planning and organizing
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.
Primary Location: United States-California-San RamonJob Type: Full-timeJob: Risk Management