Senior Credit Officer

City National Bank•Los Angeles, CA

30d

About The Position

This position will be responsible for evaluating and approving/declining credit requests for assigned lending units that exceed their signing authority. Responsibilities include monitoring the credit quality of assigned portfolios to help ensure that established risk parameters are being adhered to, ensuring compliance with all regulatory and credit policies of the Bank, providing assistance to lending officers in managing credit risk and assisting with the development of relationship managers, credit analysts and any other colleague involved in the evaluation of credit.

Requirements

Bachelor's Degree or equivalent
7 years of banking experience.
15 years in Commercial lending
10 experience in a credit environment
Strong interpersonal skills with excellent credit, problem solving and decision quality skills.
Strong analytical skills.
Strong sense of urgency and ability to meet deadlines.
Thorough knowledge of Bank business practices and ethics.
May require specialized knowledge or experience in an assigned industry.
Good negotiation skills.
Good computer skills.
Thorough knowledge of Bank credit products, policies, procedures and philosophy.
General knowledge of overall Bank products.
Strong verbal and written communication skills

Responsibilities

Evaluates and examines credit requests which exceed local authority in order to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies. Approves or declines credit requests within assigned authority. Analyzes and recommends approval/declination of credit requests which exceed assigned authority.
Reviews established credit policies and procedures and suggests and implements changes when and where appropriate. Ensures that all loans comply with established policies and procedures.
Periodically reviews the portfolios of Relationship Managers within assigned regions to ensure appropriate loan classification/risk trend. Monitors the quality of the loan portfolio and exposures. Brings concerns to the attention of the relationship manager and provides guidance in developing plans for appropriate action in order to ensure quality portfolio management.
Actively participates in evaluating all criticized and classified credits and approves action plans intended to remedy troubled credit situations. Works with relationship managers to identify alternatives to resolve problem loan situations.
Participates in Loan Review and Compliance exit reviews and ensures that corrective actions are taken to cure exceptions and to prevent reoccurrence. Reviews appropriate reports for assigned regions to monitor delinquencies, accrual exceptions, and overdrafts.
Provides support for compliance with all applicable laws, regulations and administrative duties.
Maintains a proactive commitment to established bank programs, such as CustomerFirst, Community Reinvestment Act (CRA) and Affirmative Action.
Complies fully with all bank risk management, operational and credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, City National Code of Conduct, etc.)

Benefits

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement

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