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.

Job Description Summary

The candidate will contribute to credit due diligence as well as the underwriting and approval process. Partnering with senior team members across Risk and Capital Markets, the incumbent will be responsible for providing detailed analysis of financial statements, underwriting, and monitoring the Bank’s Capital Markets and Treasury exposures.

The incumbent must possess strong communication skills and will frequently interact with Relationship Managers, Trading Desks, Treasury, Trade Finance, Loan Servicing, Operations, Legal and other personnel to understand and underwrite transactions within the Bank and parent organization. This is a professional role and provides individuals the opportunity to grow the skill set required for a career in risk, relationship management, credit products, and/or trading.

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 to.

  • 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. Establishes transaction data rooms and populates with offering materials, collateral documents, and credit documents.

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

  • Interacts with Relationship Managers, Credit Product Officers, CBG Loan Servicing, 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.

Qualifications

Required Experience

  • Requires advanced knowledge of job area typically obtained through advanced education combined with experience.

  • May have practical knowledge of project management.

  • Requires 3-5 years minimum prior relevant experience.

Education

  • Bachelor's Degree Business or Finance

Skills

  • General Administrative/Technical Skills Proficient knowledge of commercial lending policies, procedures, practices and documentation.

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

  • Proficient working knowledge of Microsoft Office (Word, Outlook, Excel). Proficient working knowledge of other software used for analysis such as MFA and Tax Analysis.

  • Proficient written and verbal communication.

  • Ability to perform independently with a minimum of supervision.

  • Good organizational skills.

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

Requisition ID: 037439