Bank of the West Sr. Credit Products Officer, Commercial Real Estate in San Ramon, California
Sr. Credit Products Officer, Commercial Real Estate
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 at https://cib.bnpparibas.com/sustain/-positivebanking_a-3-2209.html 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 contributing to credit portfolio quality and processing of
requests for credit extension with extensive focus on credit relationship
portfolio management and credit underwriting activities with the relationship
management team. Analyzes, underwrites and recommends decisions on credit
requests generated by relationship managers from commercial companies.
Monitors, tracks and manages the credit portfolio with the goal of minimizing
credit losses and maintaining compliance with credit review policy while
keeping the office manager current on any credit issues that require attention.
As a seasoned lender, takes primary responsibility for managing the credit
needs of a portfolio of 15 or more real estate banking relationships.
Essential Job Functions
Supports unit's growth andprofitability through underwriting credit requests and proactivelymonitoring credit portfolio.
Together with Relationship Manager,takes primary responsibility for managing credit needs of a portfolio of15 or more real estate banking relationships providing consultativeunderwriting advice, credit analysis, and ongoing monitoring of creditproducts and services to meet customer's needs and minimize credit lossesto the Bank.
Develops innovative credit solutionsto meet customer/prospect credit needs.
Works closely with Commercial RealEstate & Subdivision to manage the risk of complex financial productsand services.
Ensures development and preparation ofeffective proposals for presentation to existing and potential customers.
Participates, oversees, and assists inthe preparation of Credit Request Reports, recommending credit facilitiesby signing final document.
Ensures credit facilities andtransactions are properly structured, priced, and documented.
Ensures quality control and risk managementof relationships managed.
Identifies, classifies, and monitorsproblems or potential problem loans in compliance with the internal creditreview policy.
Tracks and monitors receipt offinancial reporting and covenant compliance certificates.
Attempts to collect on accounts thatare delinquent including negotiating payment schedules, obtaining properpre-approval if required.
Interacts with Credit Administration,Appraisal, Legal, and other related Bank personnel regarding issues ofcredit quality, appropriate compensation for risk, as well as new businessand related trends.
Views credit quality as personal obligation;exhibits independent judgment; ensures balanced loan presentations;responsible for on-going account monitoring; proactive in problemdetection/resolution; maintains balance between growth and credit quality.
May act as a specialist for the Bankin specific industry. Keeps current on all economic and other issuesimpacting industry.
Performs other duties as assigned.
Bachelor's Degree and/or equivalentwork experience
Requires 7 years’ minimum experiencein underwriting commercial real estate & subdivision loans/portfolios
Requires deep knowledge of job areatypically obtained through advanced education combined with experience.
Knowledge of commercial lendingpolicies, procedures, practices and documentation.
Knowledge and ability to analyze financialstatements, tax returns and cash flow.
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.
“While Bank of the Westconsiders all applicants, we will not sponsor candidates for work visas at thistime.”
Job: Business / Commercial Banking
Location: United States-California-San Ramon
Requisition ID: 042264