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
Retail Banking, Small & Medium Enterprises, Commercial Banking, Personal Finance, and Wealth Management.
Responsible for managing credit underwriting and portfolio management for the
Small & Medium Enterprises Group;
being the lead and driving force in all credit related matters. Reports
to the Head of SME Credit and works closely
with the relevant Coverage and Vertical Division Executive
Managers. With the Head of Credit and the Coverage Division Executive Manager, helps define the lending
strategies and parameters of the Division. Leads a team of seven direct reports and total team of 40, comprised of senior managers and underwriters responsible
for all aspects of financial analysis, loan structuring, approval, and loan portfolio monitoring.
As a member
of the SME Credit leadership team,
leads and/or participates in SME projects
to improve client satisfaction, process efficiency and employee engagement.
·Proactively recommends and ensures
implementation of underwriting strategies, standards, analyses, relevant processes and procedures to maintain
acceptable levels of risk and return
consistent with the business
strategies and credit priorities of the Bank.
· Exercises authority to approve loans within delegated signing authority level
consistent with the Bank’s risk appetite; recommends and presents to higher level of authority, if appropriate.
·Engages with relationship teams to pre-screen
new loan opportunities. Facilitates new business development; directs resources to achieve the bank’s strategic priorities.
·Assists the Coverage Division Executive Manager with the leadership and management of the Division, including strategic and tactical
planning and budgeting.
·Represents the Bank as appropriate in its relationships with major customers, suppliers, competitors, government agencies, professional societies and
· Builds and engages a talented team of
underwriters and managers; promotes a performance driven culture including objective setting, coaching, performance reviews, training and career planning.
financial metrics for loan balances, production and margin.
· Contributes to SME Credit and SME initiatives focused on client satisfaction, process efficiency and employee
Experience and Skills
15+ years of commercial credit-related experience
with full understanding of E2E transformation efforts organizationally,
simplifying loan policies and procedures and technology.
Requires broad management and leadership experience
and skills to lead teams in multiple
job areas and locations.
Extensive knowledge of commercial lending, sales, bank products
and financial service needs
of small & medium enterprises.
Fully aware of risk/return implications and leading
teams focused on “true risk”
Excellent communication skills
Well-developed negotiation skills
Ability to plan
and organize events
Effective project management and collaboration skills
Experience recruiting, coaching and leading teams
with SBA, Agriculture, Practice Finance, Construction, PacRim businesses is
helpful but not necessary.
Bachelor's Degree in Marketing, Business or related degree
Master’s/Advanced Degree preferred
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.
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.