Bank of the West Credit Division Group Manager - Dealer Financial Services, CBG in San Ramon, California

Credit Division Group Manager - Dealer Financial Services, CBG

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

Responsible for managing a complete credit process for the assigned CBG Division; being the lead and driving force in all credit matters at the Division level. Reports to the CBG Head of Loan Book & Credit Products with dotted line to the relevant Division Manager. With the Head of Loan Book & Credit Products and the Division Manager, helps define lending strategies and parameters of the Division. Manages team of underwriters responsible for financial analysis, loan structuring, approval, and monitoring of the loan book. Plays a critical role in portfolio management and business development.

Essential Job Functions

  • Proactively recommends adoption, modification and implementation of underwriting strategies, standards, analyses, relevant processes and procedures to maintain acceptable levels of risk and return at all times.Implements policies and procedures to comply with fundamental business and credit priorities of the Bank.

  • Has authority to approve loans within delegated signing authority level; recommends to higher level of authority if appropriate and/or recommends loans for denial.

  • Establishes pricing for loans within guidelines established at the Division and Group level; provides input regarding loan product pricing and features for loans over approval authority.

  • Assists the Division Manager with the leadership and management of the Division, including strategic and tactical planning and budgeting.

  • Represents the Bank as appropriate in its relationships with joint ventures, major customers, suppliers, competitors, government agencies, professional societies and similar groups.

  • Makes recommendations regarding the Bank's product and market coverage in collaboration with research, product development, marketing, pricing, and operational activities.

  • Presents portfolio performance to Executive Management

Other Job Duties

  • Performs other duties as assigned.

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Qualifications

Required Experience

  • Requires broad management and leadership knowledge to lead project teams multiple job areas.

  • Typically has mastery level knowledge and skills within a specific technical or professional discipline with broad understanding of other areas within the job function.

  • Requires 12-15 years minimum prior relevant experience.

Education

  • Bachelor's Degree Management or Business-related subject

Skills

  • Thorough knowledge of commercial lending, sales, and financial service needs of middle market and large corporate companies.

  • Thorough knowledge of industry/market assigned.

  • Analytical and research.

  • Bank product and service knowledge.

  • Coordinate events and meetings.

  • Demonstrated management skills.

  • Marketing skills.

  • Negotiation skills.

  • Planning and organizing.

  • Use personal computer.

  • Written and verbal computer.

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 Ramon

Requisition ID: 038624