Senior Portfolio Officer - CBG

Bank of Hope•Tustin, CA

8h•$130,000 - $150,000•Onsite

About The Position

As the Portfolio Senior Officer - CBG, you will be responsible for commercial loan underwriting and credit monitoring/reporting. This role involves performing financial and cash flow analysis, monitoring financial covenants, reporting violations, and submitting credit approval memos. You will also present loan packages for approval and stay informed about industry changes and economic events impacting commercial lending.

Requirements

Bachelor’s Degree, preferably in Accounting and Finance
Minimum 5+ years of commercial lending experience
Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
Ability to respond effectively to customer complaints or other sensitive inquiries.
Ability to make effective presentations.
Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Strong Analytical/Math skills.
Effectively manage multiple deadlines and projects.
Knowledge of bank regulations affecting customer accounts.
Knowledge of lending operations, Note or International Dept policies and procedures.

Responsibilities

Perform financial analysis and cash flow analysis with good analytical skills.
Monitor financial covenants and reporting conditions per loan agreement and report any violation to manager.
Submit credit approval memo in timely manner for loan approval.
Present the loan package to the appropriate lending authority for approval.
Keep abreast of industry changes, local economic, financial and legislative events which may have an impact on commercial lending activities.
Analyze cash flow, liquidity, profitability, leverage and other financial ratios and be able to come to various conclusions, including evaluation of collateral and other relevant credit information.
Prepare loan presentations that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of borrower’s surrounding credits.
Recommend or deny loan requests in conformance with banking regulations and Bank’s loan policies and procedures.
Gather documents to perfect the security interest in collateral, if applicable.
Detect early warning signs of problem loans and immediate notification to a supervisor, Chief Credit Administrator, Loan Review, or Loan Servicing.
Monitor loan covenants and conditions per loan agreement and report any violation to manager.
Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.
Analyze collateral values and insurance coverage.
Collect loan accounts and overdraft information.
Submit reports of calls made and document customer contact.
Meet customers regularly and seek opportunities to grow relationship.
Conduct site visits and on-site interviews under the supervision of a portfolio manager.
Comply with regulatory requirements including but not limited to: Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.
Comply with the Bank’s security program, including but not limited to: Review and comply with the End-User Computing Agreement, acquire good knowledge on functions and usage of computer systems as related to the assigned job functions, be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats, and report suspicious activities to manager, Chief Risk Officer or Information Security Officer.
Mentor junior lending staff.
Occasional local travel is required, as may participate in client meetings with Relationship Managers.
Participate in community organizations and/or events to help the Bank meet its CRA Objectives.
Perform all other reasonable duties as assigned.