Senior Lead Senior Credit Officer
Company: Bank of the West
Location: Sacramento
Posted on: January 28, 2023
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Job Description:
**Senior Lead Senior Credit Officer****Description**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, wealth management LOC's and by working closely with
assigned units to negotiate and structure highly complex credit
arrangements. Lending authority is generally $10 million or less.
Generally supports one geographical area and/or one industry
specialty, i.e.. agribusiness, real estate construction,
etc.**Essential Job Functions**+ Facilitates commercial and/or real
estate loan originations, wealth management LOC's by working with
line officers in structuring and development of 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 conduct 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 or Real Estate/ Wealth Management credit policies and
procedures 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.\#LI-WJ1**Qualifications****Required Experience**+
Requires mastery level knowledge of job area typically obtained
through advanced education combined with experience.+ May have deep
knowledge of project management.+ Requires 10 years minimum prior
relevant experience.**Education**+ Bachelor's Degree**Skills**+
Thorough knowledge of commercial and/or real estate lending
policies, practices, documentation, and legal and regulatory
requirements.+ Thorough knowledge of financial statement, business,
industry and economic analysis.+ Complete understanding of
syndications, capital markets, and other highly complex lending
facilities+ May require specific industry knowledge in more than
one industry, i.e.. agribusiness, real estate construction, etc.,
or knowledge of numerous complex geographical areas+ Analytical and
research+ Bank product and service knowledge+ Verbal and written
communication+ Negotiation skills+ Presentation skills .+ Use
personal computer+ Planning and organizing**Annual Hiring
Range:**$100,000 - $215,000Actual compensation offer to candidate
may vary from posted hiring range based upon geographic location,
work experience, education, and/or skill level.+ **In addition to
base salary, this position is eligible for annual incentives.** +
**The base salary opportunity can vary based on candidate's
geographic location, experience, knowledge, skills, and
abilities.** Benefits
Link:https://www.bankofthewest.com/about-us/careers/benefits.htmlTo
protect the health and safety of our employees and customers, Bank
of the West may require all U.S. employees to provide proof of
their vaccination status. Employees who are not fully vaccinated
may undergo regular testing.Working Location StatementThis position
has the option to work in one of our key hubs (San Ramon, CA,
Tempe, AZ, Omaha, NE) or to work remotely as long as it is in
within our 27 state working footprint which includes AZ, CA, CO,
FL, GA, ID, IA, IL, KS, MI, MN, MO, NE, NV, NM, NC, ND, OH, OK, OR,
SD, TX, UT, WA, WI, WY, NY.**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-General CA**Other
Locations:** United States-Wisconsin-General WI, United
States-Missouri-General MO, United States-Kansas-General KS, United
States-Nevada-General NV, United States-Minnesota-General MN,
United States-Michigan-General MI, United States-New York-General
NY, United States-North Dakota-General ND, United
States-Ohio-General OH, United States-New Mexico-General NM, United
States-South Dakota-General SD, United States-Wyoming-General WY,
United States-Arizona-General AZ, United States-Oregon-General OR,
United States-Nebraska-General NE, United States-Iowa-General IA,
United States-Utah-General UT, United States-Washington-General WA,
United States-Florida-General FL, United States-Oklahoma-General
OK, United States-North Carolina-General NC, United
States-Colorado-General CO, United States-Idaho-General ID, United
States-Texas-General TX, United States-Illinois-General
IL**Requisition ID:** 062959
Keywords: Bank of the West, Sacramento , Senior Lead Senior Credit Officer, Other , Sacramento, California
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