Western Alliance Bancorporation - Costa Mesa, CA
posted about 1 month ago
The position of Commercial Banker is responsible for identifying a target market for new business and subsequently develop and establish a book of new business from those relationships. The position is responsible for the negotiating, underwriting and coordinating the closing of a variety of major and complex corporate banking loans in compliance with the Bank's lending policies and procedures; develops business checking and deposit relationships with customers. Compiles and analyzes market research data to develop recommendations regarding products and services focused on needs of target market. Engages in business development activities and solicitation of new business based on the target market. Calls and visits target customers to promote and sell Bank products and services to establish a new book of business. Develops and maintains customer data base including calls and results on all new business relationships. Makes reports to superiors as required. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs basic pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers all information necessary to present a financing request to senior management or Loan Committee for approval; meets with new/potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends acceptance to the Chief Credit Officer or Loan Committee. Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within the Relationship Manager's portfolio. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.