Bank of the West Pac Rim Comm'l RM in San Francisco, California
Pac Rim Comm'l RM
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
Responsible for contributing to unit's growth and profitability. Develops and retains business relationships by meeting the financial needs of commercial banking market businesses and professionals with over ten million in annual sales. Develops loans, depository accounts, other fee generating services and extends credit. May be responsible for new business development and/or portfolio management. This description applies to three levels (Job Codes: 2455, 2456, 2457 ). Level assignment is based on a variety of factors including, but not limited to: scope and complexity of responsibility, market area, size of office, experience and expertise of lender.
Essential Job Functions
Supports unit's growth and profitability through effective calling on existing and potential customers. Identifies business needs and corresponding sales opportunities Bankwide. Provides industry analysis as needed.
Works closely with various business partners/lines to promote the sales and implementation of complex financial products and services and regarding issues of quality, pricing new business and related trends. Provides assistance to customers with Foreign Exchange transactions by contacting the Treasury Department. Acts as a liaison between customers and Treasury Department for the purchase of other investment products.
Interviews loan applicants to develop information regarding their business needs, abilities, and earnings to determine if a loan is an acceptable risk. Obtains and analyzes all necessary financial data. Reviews credit checks and understands the various business related systems.
Prepares formal presentations for existing and prospective customers. Prepares credit proposals including developing pro-forma analyses and narrative portion of CRRs.
Documents all loans to ensure perfection of the Bank's security interest in compliance with regulatory legal and bank requirements. Makes approval decisions on loans and terms within own lending limits. Negotiates terms and conditions of loan with applicants. Makes recommendations to appropriate lending authority.
Identifies, classifies, and monitors problems or potential problems loans in compliance with the internal credit review policy. Attempts to collect on accounts that are delinquent. Negotiates payment schedules and obtains proper pre-approval if required.
Sells and maintains contact with major accounts within jurisdiction.
Other Job Duties
Keeps abreast of economic and political factors within that might impact the development of business relationships.
Promotes satisfactory relations both internally and externally as required.
Keeps informed of changes in assigned territory that might affect product sales.
Issues status reports on assigned projects.
Performs other duties as assigned.
Requires advanced knowledge of job area typically obtained through advanced education combined with experience.
May have practical knowledge of project management.
Requires 5 years minimum prior relevant experience.
- Bachelor's Degree
Complete knowledge of commercial lending policies, procedures, practices and documentation (including accounting, financial statements and cash flow analysis).
Complete knowledge of bank products and services used by commercial customers.
Demonstrated sales and/or portfolio management ability.
Complete knowledge of asset based and trade finance lending.
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: Sales and Sales Related
Location: United States-California-San Francisco
Requisition ID: 057958