VP, Senior Credit & Portfolio Manager

American Business Bank•Anaheim, CA

5h•$150,000 - $185,000•Hybrid

About The Position

Under general direction, this position supports the overall credit and portfolio management function for the North Orange County Regional Office. The role facilitates comprehensive credit analysis of existing and potential clients, helps manage risk in existing relationships to protect the Bank’s financial health, monitors the status of loans in the office portfolio, supports Relationship Managers in underwriting and business development, and provides financial counsel to current and prospective customers while ensuring adherence to Bank policies and procedures. The position calls on potential or existing customers to assist in retaining and growing business relationships, handles complex accounts, and makes credit recommendations independently. It also provides training and oversight for junior credit-related employees. The position serves as a subject matter expert for credit and portfolio management in the North Orange County Office and directly manages credit and depository relationships. It maintains credit records and covenant tracking, supports the Regional Office as needed, and contributes to credit-process improvements through special projects and management reporting.

Responsibilities

Interview applicants, prospective customers, and existing customers to understand their business needs, goals, abilities, and earnings and assess their availability for a loan and banking relationship.
Assume responsibility for special projects, gather data, and prepare reports for Senior and Executive Management to help improve the Bank’s credit processes and procedures.
Serve as subject matter expert for the design, execution, and oversight of credit and portfolio management for the North Orange County Office.
Execute processes including write-ups, tickler covenant tracking, Credit Track, approvals, renewals, problem credit report memorandums, and investor real estate reviews, ensuring accuracy, timeliness, and compliance.
Provide training and oversight for junior credit-related employees and assist with training Relationship Managers on general credit practices and policy and procedure updates.
Directly manage credit and depository relationships and assist with other assigned credit portfolios and relationships.
Maintain the Regional Office covenant tracking system and provide monthly reports to managers and Relationship Managers; communicate about past-due reporting and non-compliant covenants.
Ensure files are up to date and compliant and provide officers with accurate, understandable monthly reports.
Manage the Regional Office Record of Loans (write-ups), ensuring write-ups are sent to the appropriate Relationship Managers for review five days before their due dates.
Leverage existing relationships to help develop additional commercial and middle-market relationships for the Bank.
Identify and qualify prospective leads through internal review of client checks and reports, and coordinate contact with loan officers.
Determine loan types and terms within established lending limits or recommend them to approving Senior Loan Committee members.
Provide financial advice and counsel to customers and prospective customers.
Support assigned staff development through communication and delegation, and help ensure staff are effectively cross-trained.
Provide support to all areas of the Regional Office where service or assistance is needed.
Call on potential and existing customers to support retention and growth of business relationships.
Monitor the status of loans in the office portfolio and support underwriting and business development for Relationship Managers.
Handle complex accounts and make credit recommendations independently.