Posting Date: 10/17/2022
Location: Oakland, CA (on-site only)
Requisition #: HBC 22-85
Department: Commercial Lending
Please indicate the requisition number when applying for this role.
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.
Pay Range: Base Compensation is dependent upon role, experience, and skill set: Min- $95,700/yr Max- $159,500/yr
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.
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 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.