VP/Relationship Credit Manager

Posting Date:  01/23/2023
Location:   Walnut Creek, CA (on-site only)
Requisition #:  HBC 23-100
Department:  Commercial Lending

Please indicate the requisition number when applying for this role.

Job Summary:
Responsible for underwriting personal, business and commercial real estate credit facilities.  This position requires strong knowledge of cash flow, loan structure, collateral issues, due diligence, financial statement spreading techniques, loan portfolio management and interpretation of loan documentation.  Prepares credit authorizations for all new and renewed loans, including participation credit facilities.  Must understand and comply with the Bank’s Credit Policy and Procedures for underwriting credit.

Pay Range:  Base Compensation is dependent upon role, experience, and skill set: Min- $86,295/yr  Max- $143,825/yr

Primary Responsibilities:

  • Accurately spread and analyze financial statements of prospective and existing commercial borrowers.
  • Analyze financial data to determine credit risks.
  • Maintain Collateral/Compliance Analyst updated with loan covenant testing and reporting requirements.
  • Research industries and current market conditions of commercial borrowers as they relate to Bank’s potential risk.
  • Effectively underwrite loan applications, including a complete financial and industry analysis in a concise and timely manner.
  • Maintain current client relationships by being responsive to their changing business needs and by renewing and/or amending existing loan commitments.
  • Attend credit training seminars and complete all on-line compliance training sessions during the specified time frame.
  • Assist in other duties as needed.

Qualifications:
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.

Compliance Responsibilities:
The employee is responsible for ensuring compliance with all aspects of job-related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.

Job related laws and regulations include but are not limited to the following: Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Benefits:
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.

Current Opportunities