Bank of the West Credit Products Officer - Financial Institutions in San Francisco, California

Credit Products Officer - Financial Institutions

Description

What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Partnering with senior team members across Risk and Capital Markets divisions, the applicant will be responsible for providing detailed analysis of financial statements, underwriting, and monitoring of the Bank’s exposures and relationships with financial institutions. Successful applicants will have the opportunity to become subject matter experts in credit derivatives, loans, debt instruments, and other traded products, as well be actively involved with idea generation and implementation around how to improve risk methodologies in a changing financial landscape.

This is a professional role and provides individuals the opportunity to grow and develop a skill set that is required for a career in risk, investment banking, trading, relationship management, and/or credit products.

Essential Job Functions

  • Strong communication skills as the applicant will regularly interact with Relationship Managers, Trading Desks, Treasury, Trade Finance, Loan Servicing, Operations, Legal and other personnel in order to understand and underwrite transactions within both the local Bank and parent organization

  • Ability to manage the risk of complex financial products and transactions.

  • Take personal responsibility for oversight and approval of credit exposures, including frequent presentations to senior management and other stakeholders.

  • Proactively manage the transaction process including client follow-up.

  • Interacts with other Bank personnel regarding issues of credit quality, appropriate structure, as well as new business and related trends.

Other Job Duties

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

  • Provides support to managers for special projects and reporting tasks. Such special projects may include trade comps, market trends, and senior management presentations.

  • Prepares and updates reports as necessary.

  • Performs other duties as assigned.

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Qualifications

Required Experience

  • Requires previous experience and/or familiarity with the Financial Institutions industry through advanced education and/or experience.

  • May have practical knowledge of project management.

  • Requires 2-5 years minimum prior relevant experience.

Education

  • Bachelor's Degree Business or Finance

Skills

  • General Administrative/Technical Skills.

  • Proficient knowledge and ability to analyze financial statements, tax returns, and cash flow.

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

  • Proficient written and verbal communication.

  • Ability to perform independently with a minimum of supervision.

  • Good organizational skills.

Job: Business / Commercial Banking

Location: United States-California-San Francisco

Requisition ID: 037439