Bank of the West Senior SCO - Agriculture in Fresno, California
Senior SCO - Agriculture
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, and by working closely with assigned units to negotiate and structure complex credit arrangements. Lending authority varies .
Essential Job Functions
Facilities commercial and/or real estate loan originations by working with line officers in reviewing loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements. 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.
May attend /contribute to training classes on new or updated procedures.
Assists in monitoring compliance with internal 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.
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.
Other Job Duties
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 deep knowledge of job area typically obtained through advanced education combined with experience.
Typically viewed as a specialist within discipline.
May have broad knowledge of project management.
Requires 7 years minimum prior relevant experience.
- Bachelor's Degree
Complete knowledge of commercial and/or real estate lending policies, practices, documentation, and legal and regulatory requirements.
Complete knowledge of financial statement, business, industry and economic analysis.
May require specific industry knowledge, i.e.. agribusiness, real estate construction, etc.
Analytical and research
Bank product and service knowledge
Verbal and written communication
Use personal computer.
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.
Job: Risk Management
Location: United States-California-Fresno
Requisition ID: 047414