Job Details

Exchange Bank Admin
545 Fourth St
Santa Rosa, CA 95401, USA

Exchange Bank Admin
545 Fourth St
Santa Rosa, CA 95401, USA

• Establish goals and objectives that support the Banks lending strategy
• Review approval requests for accuracy of risk rating and identification of loan policy exceptions
• Oversight of annual credit review and risk rating certification process of the Banks loan portfolio.
• Serve on Loan Committee
• Review and evaluate real estate evaluations
• Evaluate and make recommendations in the systems, processes, procedures, etc. in the underwriting area.
• Develop and maintain an efficient credit approval process
• Work with Loan Service Center (LSC) to develop a well-organized imaged credit file system to facilitate credit file access (by lenders, Credit Administration, LSC, loan reviewers, regulatory examiners, auditors, etc.) and document retention
• Responsible for approving loans under individual lending authority and recommending approval of loans outside individual authority
• Assist in preparing for and responding to inquiries from external loan reviews, audits and regulatory exams on loan related matters
• General supervision of the Banks loan function
  • Analysis for new loan requests
  • Education and training of personnel related to departmental functions
  • Monitoring loan agreements
  • Ongoing monitoring of loan files
  • Loan audit corrections
  • Ensure compliance with all regulatory guidelines
  • Oversee process for monitoring loans maturing
  • Oversee and assist with management of problem loans
  • Analyze and make recommendations for equipment additions/upgrades
• Monitoring workflow and daily production
• Provide credit support, to include:
  • Spreads
  • Tickler management/reporting
  • Covenant monitoring
  • ABL monitoring (calculating BBC availability and ordering collateral exams)
  • Monitoring of upcoming loan maturities and following up with relationship managers (RMs) on past dues/matured loans
  • Construction loan management, oversight and disbursement approvals
• Provide input on loan policies/procedures, loan compliance issues and regulatory updates
• Provide credit approvals for loans originated by the following departments:
  • Commercial
  • Business Banking
  • SBA
  • Residential
  • Consumer
• Attend all meetings and complete all training required to ensure regulatory compliance
• Comply with all applicable policies, procedures and Federal and State banking regulations associated with the performance of your job function, including BSA/AML/OFAC, CRA, ECOA, etc. and ensure that assigned staff adhere to the same
• Other duties as assigned
• Management:
  • Directly supervise a staff of credit analysts, underwriters and credit portfolio specialists.
  • Provide coaching and training to staff on underwriting issues and policy exceptions
  • Responsible for the work processes and workflow of the credit analyst/underwriting staff
  • Responsible for managing personnel issues, i.e. interviewing and hiring, training, counseling and disciplinary action, performance and compensation reviews, terminations, etc.
  • Conduct regular staff and coaching meetings with direct reports
  • Establish goals and work plans consistent with Bank needs and monitor progress
  • Recommend and monitor budget and strategic plan
  • Recommend methods and procedures to improve department efficiency
  • Promote business and demonstrate the Banks community support at external events

MINIMUM QUALIFICATIONS

A combination of education and experience equal to a bachelors degree in finance, accounting or closely related field and 7 years' experience in commercial lending or compliance, including at least 2 years as a supervisor. Pacific Coast Banking School Graduate or equivalent preferred.

Knowledge, Skills and Abilities:

• Strong knowledge of financial statement analysis and accounting principles
• Strong knowledge of small & middle market business lending practices, procedures, regulations and loan documentation requirements
• Skilled at underwriting and credit analysis with the proven ability to coach, mentor and teach those skills to others
• Skilled operating loan origination and financial management software
• Skilled operating a personal computer including word processing, spreadsheet and presentation software
• Ability to attend early morning and evening meetings
• Thorough knowledge of financial statement analysis, business finance and loan economics
• Knowledge of commercial loan documentation procedures and regulations

Physical Requirements:

Ability to stand, bend, stoop, sit, walk, twist and turn. Ability to lift up to 15 pounds occasionally. Indoor office work environment with a majority of time sitting at a desk.

Compensation:

The hiring range for this position is $150,000 - $200,000 per year. The compensation offered will fall within this range commensurate with the candidate's applicable experience, education, and skills.

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Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.