Los Angeles, CA, US

Middle Market Lender- 1387997

Qualifications

Level I – 2 years recent experience as a credit analyst and/or commercial banker or similar position requiring strong business knowledge and credit judgment; or equivalent combination of education and experience

Must have excellent business development skills with proven success in prospecting and building relationships to enhance commercial loan opportunities and entrusted to make quality credit decisions

Level III – 8 years of progressively responsible commercial lending experience providing financial expertise, counsel and customized solutions to business clients with proven experience successfully managing complex commercial banking relationships; advanced knowledge of credit underwriting, loan structuring, credit/credit quality and commercial real estate and C&I lending practices; strong relationship management and business development/sales skills

Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally

Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions

Networking and relationship building skills, with demonstrated expertise and success in business development and sales processes and strategies

A proven track record as an individual contributor who has grown top line results in a service oriented business

Effective listening, verbal, written, and telephone etiquette business communication skills, including effective questioning strategies and presentation skills; ability to read, write, speak and understand English well

Strong problem solving and decision-making skills, with demonstrated ability to quickly focus on key issues, make decisions under pressure of time constraints and translate business development challenges into opportunities

Ability to identify recurring and non-recurring sources of cash flow and guarantors’ ability to service debt

Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports

Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents

Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently

An ability to analyze and synthesize information accurately and effectively, multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment

Understanding of the Bank’s credit underwriting policies and approval process for assigned loans

Ability to handle and deal with sensitive and confidential matters in an efficient manner

Proficient PC experience using MS Office products (Word, Excel, Outlook) and retrieval of data; working knowledge of automated financial systems, with the ability to learn and adapt to new technologies quickly

Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, facsimile, which often requires dexterity of hands and fingers with repetitive wrist and hand motion

Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials and/or site/property inspections

Responsibilities

The Commercial Banking Officer provides a full range of commercial banking services, including developing new business and client relationships; producing a variety of commercial loans; generating and managing a portfolio of business and corresponding relationships; seeking new accounts through calling efforts, marketing, and referrals; as well as coordinating the cross-sale and delivery of bank products and services to clientele while serving as a trusted advisor

This position will also have responsibility for underwriting, structuring, and closing commercial loans that meet established lending requirements and maximizes profitability to the Bank with minimal risk

Establish and service a sound loan portfolio by cultivating new and expanding existing business through an effective calling program

Regularly achieve and/or exceed agreed-upon benchmarks and annual goals

Build solid, profitable relationships with clients/prospects characterized by mutual respect, understanding and trust

Work to establish his/her role as a trusted financial advisor

Evaluate the overall resources and capabilities of the client/prospect’s business, considering current industry dynamic, financial and operational strategy, economic conditions and market trends and prioritizes client/prospect opportunities

Analyze client/prospect needs, and recommends appropriate solutions that match those needs, consistent with the Bank’s credit culture, and maximizes Heritage Bank’s profitability and shareholder value

Analyze and screen loan requests

Negotiate terms/conditions, structure loan financing based on risk considerations consistent with Bank policy and Asset/Liability guidelines; approve loans within assigned lending limits; and/or prepare/ present credits outside lending limits for approval to appropriate levels of authority, as required

Foster and maintain cohesive partnerships and working relationships with all lines of business within the Bank to build a trusted and productive sales and service referral process

Effectively evaluate and manage each client relationship and transaction for financial and credit risk and potential loss to the Bank, ensuring adequate safeguards and monitoring of accounts

Ensures collateral, routinely reviews cash-flow and ensures standards and loan terms are met on an ongoing basis

Proactively leverage ideas, insights, and relationships to generate new and incremental loan and deposit business for Heritage Bank; utilizes existing client/prospect base and network of clients/prospects referral sources and means of improving client acquisition and retention

Ensure timely and thorough monitoring of all credits through periodic reviews, continued analysis, proper credit quality grading, and proper documentation

Maintains ongoing contact with client to be kept current on significant changes in financial condition or operations

Remedy loan deficiencies where appropriate, including loans out of compliance with borrower’s loan agreement, or out of formula with borrowing base

Prepare and present all required and requested loan reports in a timely manner

Monitor the performance of the borrower over the life of the loan

Able to recognize developing problems and bringing them to the attention of management

For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy

Comply with government regulations by maintaining an up-to-date knowledge of commercial law, UCC, and banking regulations/policy to assure conformity with required laws and terms

Maintain an awareness of competitive products, practices, rates and changes in the local market

Represent the Bank in the local community through proactive participation in community, charitable, business and social activities to allow for maximum client and customer contact

There may be frequent employee and customer contacts and interruptions during the day

Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions

May be exposed to outside climate conditions and/or required to wear protective devises during site and property visits/inspections

Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day

Occasional lifting 10 – 20 lbs

  • Max. file size: 300 MB.