Posting Date: 10/17/2022
Location: San Francisco, CA; Oakland, CA; San Jose, CA
Department: Commercial Lending
Examines, evaluates and recommends approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, letters of credit, real estate loans and flat notes, by performing the following duties.
Requests specified financial information for loan application. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan. Interviews applicant to obtain corporate history and to resolve questions regarding application information. Independently negotiates structure and pricing of more complex credit facilities to borrowers with revenues in excess of $1MM. Presents credits to Loan Committee and/or Director’s Loan Committee for approval. Ensures loan agreements are complete and accurate according to policy. Analyzes potential markets to develop prospects for loans and deposits. Monitors borrowers’ financial condition for compliance with loan covenants. Maintains and services existing portfolio. Maintains delinquencies and classified loans at a minimum. Act as Bank representative at civic and/or industry meetings or functions. Assist Commercial Banking Officers and Commercial Lending Credit Analyst in ongoing training.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s degree (B. A.) from a four-year college or university; a minimum of three years related experience and/or training; or equivalent combination of education and experience.
Benefits include competitive salary, bonus plan, medical, dental, group life & long term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance.