Vice President, Commercial Banking

Western Alliance Bank•La Mesa, CA

About The Position

As a Commercial Banker II you'll be responsible for identifying a target market for new business and subsequently developing and establishing a book of new business from those relationships. Key responsibilities include negotiating, underwriting, and coordinating the closing of a variety of major and complex loans in compliance with the Bank’s lending policies and procedures; develops business checking and deposit relationships with customers. You'll also be responsible for assisting clients with deposit related products and services, as well as gathering and analyzing client information to recommend appropriate deposit product solutions. Compile and analyze market research data to develop recommendations regarding products and services focused on needs of target market. Engage in business development activities and solicitation of new business based on the target market. Collaborate closely with treasury partner to ensure seamless client experiences. Call and visit target customers to promote and sell Bank products and services to establish a new book of business. Develop and maintain customer data base including calls and results on all new business relationships. Make reports to superiors as required. Interview prospective applicants and requests specified information related to loan or credit application; correspond or re-interview applicants to resolve questions regarding application information. Perform 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. Gather all information necessary to present a financing request to senior management or Loan Committee for approval; meet with new/potential customers; visit sites of loans; negotiate loan terms and conditions; refer and recommend acceptance to the Chief Credit Officer or Loan Committee. Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within the Relationship Manager’s portfolio. Maintain a superior knowledge of financial industry status and trends. Recommend to senior management those products and services experiencing less than satisfactory performance. Represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assist the Bank in establishing and maintaining market position in the financing arena.

Requirements

7+ years of related experience.
Bachelor's degree or equivalent experience required.
Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
Advanced knowledge in all facets of relationship management.
Advanced organizational and time management skills.
Advanced speaking and writing communication skills.
May require up to 50% travel.

Responsibilities

Identifying a target market for new business and subsequently developing and establishing a book of new business from those relationships.
Negotiating, underwriting, and coordinating the closing of a variety of major and complex loans in compliance with the Bank’s lending policies and procedures
Developing business checking and deposit relationships with customers
Assisting clients with deposit related products and services
Gathering and analyzing client information to recommend appropriate deposit product solutions
Compiling and analyzing market research data to develop recommendations regarding products and services focused on needs of target market
Engaging in business development activities and solicitation of new business based on the target market
Collaborating closely with treasury partner to ensure seamless client experiences
Calling and visiting target customers to promote and sell Bank products and services to establish a new book of business
Developing and maintaining customer data base including calls and results on all new business relationships
Making reports to superiors as required
Interviewing prospective applicants and requests specified information related to loan or credit application
Corresponding or re-interviewing applicants to resolve questions regarding application information
Performing 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
Gathering all information necessary to present a financing request to senior management or Loan Committee for approval
Meeting with new/potential customers
Visiting sites of loans
Negotiating loan terms and conditions
Referring and recommending acceptance to the Chief Credit Officer or Loan Committee
Coordinating processing of approved loans
Ensuring loans are processed according to agreement, customer needs and conform to Bank lending policies
Obtaining sufficient information and/or documentation from customers
Solving problems relative to processing and servicing of loans within the Relationship Manager’s portfolio
Maintaining a superior knowledge of financial industry status and trends
Recommending to senior management those products and services experiencing less than satisfactory performance
Representing the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business
Assisting the Bank in establishing and maintaining market position in the financing arena