Supports the overall credit and portfolio management function for the Woodland Hills 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 policy and procedures. Is 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. Is proactive in providing ideas about process and procedure improvements for the credit process.
Location: Ontario, California
Salary: $140,000 - $160,000
Hybrid Eligibility: Yes
ESSENTIAL DUTIES- Complies with aspects of the Bank Secrecy Act Compliance Program specifically with lending related red flags and assists independent, state and federal regulator auditor inquiries.
- Maintains proficient knowledge of rules and regulations including but not limited to the Bank Secrecy Act, USA Patriot Act, and OFAC.
- Reports any information or knowledge of any events or transactions that could cause a reasonable person to suspect activities that should be reported to the BSA department for further analysis. Responds to inquiries and provides explanations to differentiate suspicious activity from non-suspicious activity.
- Supports the design, execution and oversite for all aspects of credit and portfolio management for the Inland Empire 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 assigned credit portfolios.
- Maintains the Regional Office's covenant tracking system with reports to managers and Relationship Managers monthly. 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 the Regional Office's write-ups to the "due" date, ensuring all write-ups 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 RM.
- 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.
- Completes administrative tasks correctly and on time and supports the Bank's goals and values. Provides support to all areas of the department where service or assistance is needed;
- Performs the position safely, without endangering the health or safety of themselves or others and reports potentially unsafe conditions.
- Provides support to all areas of the regional office where service or assistance is needed.
- Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
- Assumes responsibility for special projects; gathers data and prepares reports for Management, audits and other personnel.
- Maintains regular and reliable attendance.
- Maintains confidentiality of customer account information.
