Senior Credit Officer

WESTAMERICA BANK•Fresno, CA

About The Position

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee. JOB SUMMARY: Under General Managerial Guidance: Reviews and approves loan requests for multi-line products within established lending limits. Deals with loans and credit lines, including collection and analysis of financial and related data to determine general credit worthiness of the prospect and the merits of the loan requests.

Responsibilities

Review request for establishment of loans and credits lines, collects and analyzes financial and related information.
Emphasis in Agricultural Lending to individuals, partnerships and corporations.
Determines the general credit worthiness of the prospect and the merits of the loan request.
Must have demonstrated ability to analyze and underwrite complex agricultural lines, term loans and real estate loans.
Prepares factual summary related to applicant's credit worthiness.
Approves or declines loans with terms within their established lending limits.
Prepares recommendations for loan amounts above identified credit authority.
Investigate all available sources of credit and financial information
Drafts CLD - 50 loan reports with supporting schedule, prepares, order to draw documents.
Manages assigned loan portfolio through active support of the Financial Sales Officer who provides client services to customers.
Participates in special projects and performs other job-related duties as required.