Supports the overall credit and portfolio management function for the San Diego Office. Facilitates comprehensive credit analysis of existing and potential clients, assists in the management of risk in existing relationships to protect the financial health of the Bank, keeps informed as to the status of loans in the office portfolio, provides relationship managers with support in underwriting and business development, and providing financial counsel to current and prospective customers, while ensuring adherence to all Bank policies and procedures. Serves as the primary officer for assigned customer relationships and handles complex accounts and makes credit recommendations independently along with providing deposit related advice to customers. Calls on potential or existing customers to assist in retention and growth of existing business relationships. Proactive in providing ideas about process and procedure improvements for the credit process.
Location: San Diego, California
ESSENTIAL DUTIES
Supports the design, execution and oversight for all aspects of credit and portfolio management for the San Diego Regional Office.
Executes processes for Write-Ups, Tickler Covenant Tracking, Credit Track, Approvals, Renewals, PCRMs, Investor Real Estate Reviews, etc. while ensuring accuracy, timeliness, and compliance for each of these functions.
Assists with relevant credit training within the office.
Assists with the management of credit portfolios.
Assists with the maintenance of the Regional Office's covenant tracking system. Maintains communication regarding past due reporting or non-compliant covenants to Relationship Managers.
Ensures all files remain up-to-date and compliant and that all officers will receive an accurate and easily understandable monthly report.
Ensures all assigned write-ups are completed in compliance with the due date, ensuring all write-ups are out to appropriate Relationship Managers for review five days prior to the due date.
Assists with additional, related projects while contributing to the overall betterment of the credit processes and procedures of the Bank as a whole.
Leverages existing relationships to assist in the development of additional commercial, middle market relationships for the Bank.
Prospects lead identification through internal review of client checks and reports, researches to qualify leads, and coordinates contact with loan officers.
Determines types of loans and terms within established lending limits, or makes recommendations to approving Relationship Manager.
Provides financial advice and counsel to customers and prospective customers.
Processes, solves and answers complex customer transactions, problems or inquiries.
Answers telephones, answers questions and directs callers to proper Bank personnel.
Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations.
