VP, Senior Credit & Portfolio Manager

Under general direction, this position supports the overall credit and portfolio management function for the Orange County Regional Office. This support includes facilitating of comprehensive credit analysis of existing and potential clients, assisting in the management of risk in existing relationships to protect the financial health of the Bank, keeping informed as to the status of loans in the office portfolio, providing relationship managers with support in underwriting and business development, and providing financial counsel to current and prospective customers, while ensuring adherence to all bank policy and procedures. Handles complex accounts and makes credit recommendations independently. Calls on potential or existing customers to assist in retention and growth of existing business relationships.

Location: Irvine, California

Interviews applicants, prospective customers and existing customers to develop information concerning their business needs, desires, abilities and earnings to determine their availability for a loan and banking relationship. 

Assumes responsibility for special projects; gathers data and prepares reports for Senior and Executive Management, which contribute to the betterment of the credit processes and procedures of the Bank as a whole. 

Serves as subject matter expert for the design, execution and oversight for all aspects of credit and portfolio management for the Orange County Office.

Executes the processes for Write-Ups, Tickler Covenant Tracking, Credit Track, Approvals, Renewals, Problem Credit Report Memorandums, Investor Real Estate Reviews, etc. while ensuring accuracy, timeliness, and compliance for each of these functions.

Provides training and oversight for junior credit-related employees in the Office. Assists with relevant training of RM’s within the office for general credit practices and updates to policies and procedures.

Directly manages credit and depository relationships. Assists with the management of other assigned credit portfolios/relationships.

Maintains the Regional Office’s covenant tracking system with reports to managers and Relationship Managers monthly. Maintains communication regarding past due reporting or non-compliant covenants to Relationship Managers.

Ensures all files remain up-to-date and compliant and that all officers will receive an accurate and easily understandable monthly report.

Manages the Regional Office’s Record of Loans (“write-ups”) to the “due” date, ensuring all write-ups to appropriate Relationship Managers for review five days prior to the due date.

Leverages existing relationships to assist in the development of additional commercial, middle market relationships for the Bank.

Prospects lead identification through internal review of client checks and reports, researches to qualify leads, and coordinates contact with loan officers.

Determines types of loans and terms within established lending limits, or makes recommendations to approving Senior Loan Committee Members.

Provides financial advice and counsel to customers and prospective customers.

Processes, solves and answers complex customer transactions, problems or inquiries.

Answers telephones, answers questions and directs callers to proper Bank personnel. 

Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations.