VP, Senior Credit & Portfolio Manager
About The Position
Under general direction, the VP, Senior Credit & Portfolio Manager supports the overall credit and portfolio management function for the Inland Empire 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, and supports relationship managers with underwriting and business development. The position also provides financial counsel to current and prospective customers while ensuring adherence to bank policies and procedures. The position calls on potential and existing customers to support retention and growth of business relationships, handles complex accounts, and makes credit recommendations independently. It serves as the subject matter expert for credit and portfolio management in the Inland Empire Office, directly manages credit and depository relationships, and provides training and oversight for junior credit-related employees. The role is based in Ontario, California, with hybrid eligibility.
Responsibilities
- Interview applicants, prospective customers, and existing customers to gather information about business needs, abilities, and earnings and assess availability for loans and banking relationships.
- Lead or support special projects, gather data, and prepare reports for Senior and Executive Management to improve the Bank’s credit processes and procedures.
- Serve as the subject matter expert for the design, execution, and oversight of credit and portfolio management for the Inland Empire Office.
- Execute write-ups, tickler covenant tracking, Credit Track, approvals, renewals, problem credit report memorandums, investor real estate reviews, and related processes accurately, on time, and in compliance with requirements.
- Train and oversee junior credit-related employees and assist with credit-practices and policy-and-procedure training for relationship managers in the office.
- Directly manage credit and depository relationships and assist in managing other assigned credit portfolios and relationships.
- Manage the Regional Office’s Record of Loans write-ups through their due dates, ensuring write-ups are sent to appropriate relationship managers for review five days before they are due.
- Leverage existing relationships to help develop additional commercial and middle-market relationships for the Bank.
- Identify prospective leads through internal review of client checks and reports, research and qualify leads, and coordinate contact with loan officers.
- Determine loan types and terms within established lending limits or make recommendations to approving Senior Loan Committee members.
- Process, resolve, and respond to complex customer transactions, problems, and inquiries.
- Provide support to other 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 manage risk in existing relationships.
- Provide underwriting and business-development support to relationship managers and financial counsel to current and prospective customers.
- Ensure adherence to bank policies and procedures.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
