ElMonteRecruiter Since 2001
the smart solution for El Monte jobs

Credit Products Officer

Company: Bank of the West
Location: El Monte
Posted on: March 14, 2020

Job Description:

Responsible for underwriting credit requests for large corporate and middle market companies. Manages a commercial loan portfolio of moderately to highly complex relationships, in collaboration with relationship managers, with the goal of delivering customized credit solutions to clients while minimizing credit losses and maintaining compliance with credit review policy. This is the most senior level of Credit Products Officer, capable of leading a deal team and assisting the division credit manager in the supervision of junior credit officers, credit associates and support staff. Essential Job Functions Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 15 or more commercial banking relationships.  Provides consultative underwriting advice, develops customized credit solutions, performs credit analysis and presentation and proactively manages the credit portfolio to meet customers and prospect needs and minimize credit losses to the Bank. Ensures development and preparation of effective proposals for presentation to existing and potential customers.  Leads credit deal team in the preparing credit memos, making recommendations and signing final credit document. Ensures credit facilities and transactions are properly analyzed, risk rated, structured, priced, and documented. Acts as a deal team leader overseeing credit and underwriting activities of other officers and associates. May oversee the work of others, including financial spreads, projections and preparation of credit memos by training less-experienced credit staff. Works closely with the Relationship Manager on financial, business and industry due diligence including jointly calling on commercial clients and prospects. Supports units growth and profitability by delivering an unparalleled client experience through timely underwriting of credit requests and proactive monitoring of the credit portfolio. Works closely with other CBG Departments (e.g. Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank to manage the risk of complex financial products and services. Ensures quality control and risk management of relationships managed. Identifies, classifies, and monitors problems or potential problem loans in compliance with the internal credit review policy. Directly, or through credit officers or analysts, tracks and monitors receipt of financial reporting and covenant compliance certificates. Other Job Duties Interacts with Credit & Counterparty Risk officers, Industry vertical bankers, Appraisal Review, Legal, and other related Bank personnel regarding issues of credit quality, appropriate compensation for risk, as well as new business and related industry trends. Views credit quality as a personal obligation; exhibits independent judgment; ensures balanced loan presentations; responsible for timely portfolio monitoring; proactive in problem detection/resolution; maintains balance between growth and credit quality. May act as a specialist for the Bank in specific industry. Keeps current on all economic and other issues impacting industry. Performs other duties as assigned. Qualifications Required Experience Bachelors Degree required with concentration (or equivalent college course work) in business, finance, or accounting Minimum of 5 years’ experience of demonstrated commercial credit underwriting and loan structuring experience with middle market & large corporate transactions; preferable Asset Based Lending Demonstrated capability in advanced financial and cash flow analysis Excellent working knowledge of Microsoft Office (Word, Outlook, Excel) Skills Ability to perform independently with a minimum of supervision. Excellent written and verbal communication skills Good organizational skills.

Keywords: Bank of the West, El Monte , Credit Products Officer, Other , El Monte, California

Click here to apply!

Didn't find what you're looking for? Search again!

I'm looking for
in category

Other Other Jobs

Description: Total Vision LLC is a group of highly successful optometry practices that have aligned towards a common goal of world-class eye-care results for its patients and California communities. We are a company (more...)
Company: Total Vision
Location: San Clemente
Posted on: 03/30/2020

Speech Language Pathologist - Acute Care
Description: Speech Language Pathologist Acute Care Location: Perris, CA Job ID: 39543 Start Date: 2020-04-13 End Date: 2020-07-13 Status: open Description Speech Language Pathologist / Speech Therapist (more...)
Company: Preferred Healthcare Staffing
Location: Perris
Posted on: 03/30/2020

Freelance Videographer
Description: Kalo is the leading xHR software used by over 1,700 of the world s most notable brands to manage their freelancer workforce. Kalo.Work is a new initiative that gives freelancers the opportunity to get (more...)
Company: kalo
Location: Azusa
Posted on: 03/30/2020

Speech Language Pathologist - School
Description: Speech Language Pathologist School Location: Laguna Miguel, CA Job ID: 34478 Start Date: 2019-11-14 End Date: 2020-06-13 Status: open Description School Psychologist / Psychologist - Schools (more...)
Company: Preferred Healthcare Staffing
Location: Laguna Niguel
Posted on: 03/30/2020

Operations Supervisor - Courtyard Los Angeles Hacienda Heights/Orange County - (20025443)
Description: Here's To Your Journey with Courtyard With more than 330 managed locations in more than 20 countries Courtyard by Marriott offers a refreshing environment that helps guests stay connected and balanced. (more...)
Company: Marriott International, Inc.
Location: Hacienda Heights
Posted on: 03/30/2020

Hydro Generation Licensing and Implementation Senior Advisor
Description: Job DescriptionAre you looking for a diverse team of inventors, pioneers, and problem solvers working together Look no further br br We want team members who want to invest their skills and intellect (more...)
Company: Southern California Edison
Location: Rosemead
Posted on: 03/30/2020

Licensed Vocational Nurse (LVN) – Home Health
Description: Healthy Living at Home is seeking Home Health Licensed Vocational Nurses LVNs Job Location: Palm Desert, CA Must have current License Who We Are Are you passionate about home health care (more...)
Company: Healthy Living at Home
Location: Palm Desert
Posted on: 03/30/2020

Customer Service Representative I
Description: Take the lead at the front line of our company. You ll offer customized solutions, identify sales opportunities and provide service for millions of customers one at a time. Be a part of an award-winning (more...)
Company: AT & T
Location: Cypress
Posted on: 03/30/2020

Natural Cosmetic Manufacturer Needs Chemist
Description: Sometimes smaller companies are a Nice Place to Work Especially in Southern California
Company: Aroma Naturals
Location: Cerritos
Posted on: 03/30/2020

Freelance Videographer
Description: Kalo is the leading xHR software used by over 1,700 of the world s most notable brands to manage their freelancer workforce. Kalo.Work is a new initiative that gives freelancers the opportunity to get (more...)
Company: kalo
Location: Covina
Posted on: 03/30/2020

Log In or Create An Account

Get the latest California jobs by following @recnetCA on Twitter!

El Monte RSS job feeds