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Bank of the West Credit Products Officer, Commercial Banking Group in Sacramento, California

Credit Products Officer, Commercial Banking Group


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

The Credit Products Officer (“CPO”) contributes to credit due diligence, credit underwriting and credit portfolio management with a focus on the municipal sector. The incumbent partners with senior team members, and is responsible for providing detailed analysis of financial statements and cash flow projections, management analysis and industry trends. The incumbent may interface directly with borrowers and attend client and prospect meetings. The incumbent must possess strong communication skills and frequently interacts with Relationship Managers, other Credit Product Officers, Loan servicing, Operations, Legal and other personnel to obtain documentation or assist with loan closing and loan maintenance. This is a Commercial Banking Group (“CBG”) sales professional entry to mid-level role with a specified career growth path in commercial banking. The position offers training opportunities to grow the skill set required for career advancement.

Essential Job Functions

  • Supports unit's growth and profitability by producing qualitative financial reviews for transactions. Determines optimal transaction structure by analyzing credits, including financial statement spreading analysis and cash flow projections.

  • Proactively manages transaction process from pitch to closing; assists with the preparation of term sheets and monitors ongoing transactions to ensure proper documentation for loan closing.

  • Attends client and team meetings and assists in determination of client needs. Assists Senior Officers with the completion of materials and other tasks as needed, providing timely, error-free analysis and review as applicable.

  • Interacts with Relationship Managers, Credit Product Officers, Loan Servicing, Operations, Legal, and other related Bank personnel regarding issues of credit quality, appropriate structure, as well as new business and related trends.

  • Manages the risk of complex financial products and transactions by working closely with other CBG Departments (e.g., Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank.

Other Job Duties

  • Views credit quality as a personal obligation; exhibits independent judgment; ensures balanced loan presentations; responsible for on-going account monitoring; proactive in problem detection/resolution; contributes to maintaining balance between growth and credit quality.

  • Provides support to the Regional and Division managers for special projects and reporting tasks. Such special projects may include transaction comparable analysis, in-market credit lists, portfolio analysis, presentations for senior bank management and the creation of excel based underwriting tools.

  • When applicable, interfaces directly with borrowers to obtain financial information and review financial information directly and assists in review of credit requests.

  • Prepares and updates reports as necessary.

  • Performs other duties as assigned.



Required Experience

  • Bachelor's Degree required with concentration (or equivalent college course work) in business, finance, or accounting

  • Minimum of 5 years’ experience of demonstrated commercial credit underwriting and loan structuring experience

  • Proficient knowledge of commercial lending policies, procedures, practices and documentation

  • Demonstrated capability in advanced financial and cash flow analysis

  • Excellent working knowledge of Microsoft Office (Word, Outlook, Excel)


  • Ability to perform independently with minimum of supervision

  • Excellent written and verbal communication skills

  • Good organizational skills

Preferred Qualifications

  • Experience with municipal lending / government banking or lending to nonprofit organizations

  • Experience with fund accounting

  • Basic knowledge of capital markets and bond structures

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: Business / Commercial Banking

Location: United States-California-San Francisco

Other Locations: United States-California-San Ramon, United States-California-Sacramento

Requisition ID: 060945