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 contributing to credit portfolio quality and processing of requests for credit extension with extensive focus on credit relationship portfolio management and credit underwriting activities with the relationship management team. Analyzes, underwrites and recommends decisions on credit requests generated by relationship managers from commercial companies. Monitors, tracks and manages the credit portfolio with the goal of minimizing credit losses and maintaining compliance with credit review policy while keeping the office manager current on any credit issues that require attention. As a seasoned lender, takes primary responsibility for managing the credit needs of a portfolio of 15 or more commercial banking relationships. Essential Job Functions Supports unit’s growth and profitability through underwriting credit requests and proactively monitoring credit portfolio. Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 15 or more commercial banking relationships providing consultative underwriting advice, credit analysis, and ongoing monitoring of credit products and services to meet customer’s needs and minimize credit losses to the Bank. Develops innovative credit solutions to meet customer/prospect credit needs. 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 development and preparation of effective proposals for presentation to existing and potential customers. Participates, oversees, and assists in the preparation of CRRs, recommending credit facilities by signing final document. Ensures credit facilities and transactions are properly structured, priced, and documented. 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. Tracks and monitors receipt of financial reporting and covenant compliance certificates. Attempts to collect on accounts that are delinquent including negotiating payment schedules, obtaining proper pre-approval if required. Interacts with Credit Administration, Appraisal, Legal, and other related Bank personnel regarding issues of credit quality, appropriate compensation for risk, as well as new business and related trends. Other Job Duties Views credit quality as personal obligation; exhibits independent judgment; ensures balanced loan presentations; responsible for on-going account 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. Required Experience Requires deep knowledge of job area typically obtained through advanced education combined with experience. Typically viewed as a specialist within discipline. May have broad knowledge of project management. Requires 7 years of solid experience in financial analysis, structuring, underwriting and portfolio management in Commercial Banking National Banking Division targets companies with sales of $20 million or higher Position required in Los Angeles, CA or Newport Beach, CA Education Bachelor’s Degree Finance Skills Excellent knowledge of commercial lending policies, procedures, practices and documentation. Excellent knowledge and ability to analyze financial statements, tax returns and cash flow. Excellent working knowledge of Microsoft Office (Word, Outlook, Excel). Excellent working knowledge of other software used for analysis such as MFA and Tax Analysis. Excellent written and verbal communication. Ability to perform independently with a minimum of supervision. Good organizational skills. “To protect the health and safety of our employees and customers, Bank of the West requires all U.S. employees to provide proof of their vaccination status. Employees who are not fully vaccinated must undergo regular testing beginning May, 2022.” 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. Primary Location United States-California-Los Angeles Job Type Full-time Job Business / Commercial Banking Reference 061984 Apply (REF: 061984) Discover the different professions within BNP Paribas: Sales and Client relations Working in Sales and Client Relations at BNP Paribas is all about helping clients on a daily basis, and supporting them at important times in their personal and professional lives. Find out more Why should I apply? Basically, why would you want to join BNP Paribas over any other company? BECAUSE YOU’RE THE KIND OF PERSON WHO WANTS… To work on interesting assignments What if we told you that working in our Group may not be quite what you think? BNP Paribas business lines and careers are constantly evolving to meet the expectations of our clients and society as a whole. To feel good about the job you do Feeling good about your job means bringing your whole self to work and being who you are. It’s also about having the resources you need to achieve a healthy work-life balance. Both of these are major commitments at BNP Paribas. To learn something new every day At BNP Paribas, developing your skills is as important to us as it is to you. And the skills you learn with us will help you through the rest of your working life. 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