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    Lead Loan Processor - Los Angeles, CA, United States - City National Bank

    City National Bank
    City National Bank Los Angeles, CA, United States

    3 weeks ago

    Default job background
    Description

    CREDIT OFFICER LEAD CORPORATE BANKING
    Participates in the loan management process by providing credit and loan underwriting expertise. Is client facing and manages all aspects of credit relationships for clients.

    Provides credit product expertise in an advisory capacity and ensures all due diligence and background evaluation is complete and thorough before credit approval is granted.

    National Corporate Banking Division

    As a member of our National Corporate Banking team, you will have the opportunity to make a real difference through a signature client experience.

    Provide expertise and financing solutions to larger middle-market and mid-corporate-sized companies, headquartered in the United States.

    By listening and understanding the clients needs, the team delivers specialized service and industry-specific expertise to help companies grow and solve unique challenges.


    Manages workflow and priorities in conjunction with or in the absence of the Credit Manager.

    Determines and assigns work assignments to team of Credit Officers and Credit Analysts based on experience, availability, and portfolio complexity and size.

    ~ Provides technical guidance to and reviews the work of less experienced Credit Officers and Credit Analysts. Guides and assists the Credit Officers and Credit Analysts in research, credit structuring, financial analysis, etc. for complex accounts.
    ~ Responds to questions or inquiries from internal and external clients concerning credit policies, procedures, structuring, etc. before it is elevated, if necessary, to the Credit Manager.
    ~ Monitors performance, gives on-going performance feedback and participates in conducting effective performance appraisals. Trains, coaches, counsels and provides general direction and guidance to staff.
    ~ identifies staff development needs and provides educational/training opportunities.
    ~ Assists the Credit Manager in departmental reporting of past dues, portfolio reviews, etc.
    ~30%-50% Portfolio Management
    ~ Evaluates and examines credit requests in order to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies.
    ~ Attends client meetings at Relationship Manager, Team Manager or Credit Managers request to facilitate delivery of the credit product and/or or assist in problem resolution.
    ~ Provides balanced and appropriate credit guidance to Relationship and Team Manager and collaborates in determining appropriate credit strategy.
    ~ Provides input to the Relationship Manager and Team Manager when loan pricing does not appear to reflect inherent risk in subject transaction. Manages the financial analysis and preparation of the CRR. the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly.
    ~ Collaborates with team members by providing credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Authors credit approval memorandum.
    ~ Restructures loans and/or lines of credit as required. Assumes accountability for minimizing Bank losses.
    ~ Manages team delinquencies both matured loans and past due monitoring items.
    ~ Performs quarterly financial reviews of clients financial condition including monitoring covenants and conditions. Performs portfolio reviews and responds to questions raised in internal and external audits and examinations.
    ~ Works with Credit Administration to facilitate an accurate and timely credit decision and optimal credit strategy.
    ~ Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations.
    ~ Acts in accordance with Bank credit culture and strategies.

    Bachelor's Degree or equivalent
    Minimum 10 years experience in underwriting medium to large sized and moderately-complex commercial credit required.
    Minimum 10 years of experience in a banking or financial services environment required.
    Completion of credit training program is required.
    College degree in Finance, Economics, Business Administration or a related field.

    Experience in underwriting medium to large sized and moderately-complex corporate credit which includes analyzing, interpreting, and evaluating financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.

    Highly knowledgeable in corporate credit policies and procedures.
    Strong credit analysis and accounting skills with the ability to communicate skillfully and effectively in both verbal/written forms.

    Ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts.

    It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.



    INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT
    City National Bank is an equal opportunity employer committed to diversity and inclusion.

    All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.

    '

    Since day one we've always gone further than the competition to help our clients, colleagues and community flourish.

    City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to be at the heart of our company today.

    City National is a subsidiary of Royal Bank of Canada, one of North Americas leading diversified financial services companies.
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