Sr Lead SCO - Equipment & Dealer Finance
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.
Work Location Statement
This position has the option to work in one of our key hubs (San Francisco, CA, 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.
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, equipment finance and/or dealer finance 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.
Requires mastery level knowledge of job area typically obtained through advanced education combined with experience
May have Equipment Finance and/or Dealer Finance experience
May have knowledge of project management
Requires 10 years minimum prior relevant experience
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
Use personal computer
Planning and organizing
"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.
Job: Risk Management
Location: United States-Arizona-Tempe
Other Locations: United States-Oregon-Portland, United States-Ohio-Cleveland, United States-Kansas-Wichita, United States-California-Irvine, United States-New Mexico-Albuquerque, United States-Missouri-Kansas City, United States-Texas-Dallas, United States-California-San Diego, United States-New York-New York, United States-California-San Francisco, United States-Illinois-Chicago, United States-Florida-General FL, United States-Michigan-General MI, United States-Utah-Salt Lake City, United States-California-City of Industry, United States-North Dakota-Fargo, United States-Wyoming-Cheyenne, United States-Idaho-Boise, United States-North Carolina-General NC, United States-Oklahoma-Oklahoma City, United States-Georgia-Atlanta, United States-California-San Ramon, United States-Nebraska-Omaha, United States-Washington-Seattle, United States-Nevada-Las Vegas
Requisition ID: 061815