Asset Quality Review Team Lead

Sunflower Bank, N.A.•Irvine, CA

1d•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 asset quality 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 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 technical guidance and training; and helps coordinate Freddie Mac loan reviews, inspections, deadlines, hazard claims, and covenant compliance. The role collaborates with Loan Servicing, Construction, Special Assets, underwriting, and other internal and external stakeholders. It requires compliance with applicable laws, regulations, bank policies, and procedures, including the Bank’s Credit Policy and BSA, AML, and OFAC responsibilities. The position pays $46–$53 per hour, depending on knowledge, skills, abilities, experience, and location. The physical demands may include extended periods sitting or standing, computer use, reaching, walking, occasional bending, stooping, kneeling, or climbing, and lifting or moving items up to 10 pounds. The position may be performed with or without reasonable accommodation.

Requirements

Minimum of 7–10 years of previous experience as a bank credit analyst or in commercial real estate lending; CRE lending experience 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 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.

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.

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 reporting requirements.
Understand and comply with the Bank’s Credit Policy.
Use knowledge of Freddie Mac’s Asset Management process, including 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-safety issues.
Liaise between Sunflower Bank’s insurance department and Freddie Mac regarding 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 to resolve insurance-claim, financial-reporting, and covenant-compliance issues.
Help develop and refine 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.
Present a professional image when dealing with customers, interdepartmental representatives, and external representatives.