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California Bank of Commerce · 9 hours ago

Credit Administrator

Walnut Creek, CA

Full-time

Onsite

Senior Level, Lead/Staff

$180K/yr - $220K/yr

15+ years exp

California Bank of Commerce is looking for a Credit Administrator to manage the overall credit risk for assigned business segments. The role involves collaborating with Relationship Managers and Senior Management to ensure compliance with credit quality standards and overseeing the credit approval process for complex transactions.

BankingFinanceFinancial Services

Responsibilities

Lead all aspects of credit approval, reporting and monitoring for assigned business segments. Review and approve loans under Delegated Lending Authority

Work with Relationship Managers and, when necessary, Senior Management to structure credit facilities that protect the bank and meet the needs of the client, making sure policy exceptions are noted, properly mitigated, and that risk ratings are appropriate. Pre-review loan presentations before submitting for further approval

Assist Relationship Managers and analytical staff with deal structuring and underwriting

Work closely with Relationship Managers and Senior Management to ensure overall portfolio credit quality, adherence to policy, and identification of risk meets the bank’s policy and risk appetite

Identify developing trends in the loan portfolio and lending practices and provide recommendations accordingly

Identify early warning signals (such as past dues, higher vacancies or extended asset conversion cycles) and take immediate actions

Assist in developing and maintaining credit administrative monitoring and reporting systems, including supporting procedures and processes

Assist in identifying product concentrations and other risk components to ensure that the loan portfolio is balanced in terms of risk parameters and profit expectations

Provide input on tailoring credit products. Work with leaders throughout to provide strategic directions for implementation

Reviewing credit policies and procedures to ensure that they are up to date, reflect the risk appetite of the Bank, are relevant to the products that the Bank currently offers or intends to offer

Assist in leading the credit role related to mergers and acquisitions, and subsequent loan portfolio and staff integration

Actively drive overall bank strategy as an active member of the credit team

Mentor and train business units, including analytical staff, as necessary

Qualification

Financial analysisLending regulations knowledgeCredit risk managementAnalytical skillsCommercial lending experienceInterpersonal skillsCommunication skillsLeadership skillsProblem solving skills

Required

Ability to analyze and organize financial information and perform complex financial calculations

Detailed knowledge of lending regulations, lien laws and loan documentation

Direct experience with regulators, auditors, and other consultants in the industry

Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions

Strong interpersonal skills with solid credit, problem solving and decision quality skills

Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone

Ability to quickly assimilate and consistently implement existing credit policies and guidelines

Ability to effectively lead, persuade, and guide the line of business

Bachelor's Degree in Finance or a related discipline

10 years of banking experience

15 years in Commercial Lending and/or C&I credit experience