Asset Quality Review Team Lead

Sunflower Bank NA•Irvine, CA

2d•$46 - $53•Onsite

About The Position

Sunflower Bank, N.A. is hiring a full-time Asset Quality Review Team Lead in Irvine, California. The role supports and guides Asset Quality Review (AQR) Analysts conducting reviews of Commercial Real Estate (CRE) and Multifamily (MF) loan portfolios. Serving as a liaison between analysts and management, the Team Lead promotes consistent review standards, mentors junior staff, and contributes to procedures and reporting. The position also coordinates investor reporting, inspections, post-closing covenant tracking, and risk-rating assessments. The Team Lead supports the AQR Manager with analysts’ daily activities and workload, provides expertise on review methodology, and coordinates with internal teams and external parties to resolve credit, insurance, financial reporting, and covenant issues. The role requires compliance with the Bank’s policies and applicable regulations, including BSA, AML, OFAC, and Credit Policy requirements. The position is based at the bank’s Irvine, CA location. The listed hourly rate is $46–$53, depending on knowledge, skills, abilities, experience, and location. The role’s physical demands may include extended sitting or standing, computer or equipment use, reaching, walking, occasional bending, stooping, kneeling, or climbing, and lifting or moving items up to 10 pounds. Reasonable accommodation may be available for essential job functions.

Requirements

Minimum of 7–10 years of previous experience as a bank credit analyst or in commercial real estate lending is preferred.
Strong understanding of CRE/MF underwriting, risk-rating methodologies, and investor requirements.
Strong understanding of financial analysis, accounting principles, and loan structure.
Excellent analytical, organizational, and communication skills.
Proficiency in Microsoft Office, including Excel and Word.
Strong interpersonal skills and the ability to lead by example and foster team collaboration.
Ability to manage multiple priorities under tight deadlines.
Detail-oriented, with a high level of accuracy.
Professional demeanor and ability to interact with internal and external stakeholders.
Ability to present a professional image when dealing with customers and interdepartmental and external representatives.

Nice To Haves

College degree or equivalent experience.
Demonstrated leadership or mentorship experience.
Experience with credit or loan servicing systems.
Multifamily Agency Lending experience, specifically Freddie Mac experience.

Responsibilities

Adhere to compliance programs and complete required and assigned training by established due dates.
Understand and fulfill responsibilities under the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, and Office of Foreign Assets Control (OFAC) regulations, including training and reporting requirements.
Understand and comply with the Bank’s Credit Policy.
Maintain working knowledge of Freddie Mac’s Asset Management process using the Seller/Servicing Guide and Lender Applications (PRS, DMS, CRT), and oversee monthly LIT and Watch List reports.
Support the AQR Manager in overseeing AQR Analysts’ daily activities and workload.
Mentor and train junior analysts and serve as a subject matter expert on review methodology and technical questions.
Coordinate required inspections and second reviews for Freddie Mac loans with the Chief Appraiser; track deadlines for due dates and compliance with required repairs and life-and-safety issues.
Serve as liaison between the Bank’s insurance department and Freddie Mac for hazard claims.
Contribute to internal and regulatory asset quality reports.
Participate in investor loan reviews and ensure compliance with investor requirements.
Coordinate with Loan Servicing, Construction, and Special Assets teams to resolve insurance claim, financial reporting, and covenant compliance issues.
Participate in developing and refining AQR procedures and tools to improve review efficiency and accuracy.
Collaborate with underwriting, loan servicing, and special assets teams to address credit-related issues.
Perform the job in accordance with applicable industry laws and regulations and company policies and procedures.