Vice President, Commercial Banking

Job Title:

Vice President, Commercial Banking

Location:

Costa Mesa

What you'll do:

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 commercial real estate, SBA, and construction loans in compliance with the Bank’s lending policies and procedures; develops business checking and deposit relationships with customers.

What we are looking for:

• 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. 
• Maintains a superior knowledge of financial industry status and trends. 
• Recommends to senior management those products and services experiencing less than satisfactory performance. 
• 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.

Qualifications

• Bachelor’s degree from a four-year college or university and 5+ years of related experience and/or training; or a combination of experience and education.
  • Work related experience must consist of a basic lending background including negotiating, underwriting and coordinating the closing of a variety of major and complex consumer, residential, equipment, SBA, commercial building and business loans; relationship development, experience in the financial services industry.
  • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Knowledge of related state and federal banking compliance regulations, and other Bank operational policies.               
• Knowledge and experience in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. 
• Intermediate knowledge of Bank lending procedures, Bank policies and procedures, and the Bank’s products and services. 
• Extensive knowledge in all facets of relationship management.  
• Exceptional analytical skills. 
• Intermediate skills in word processing and spreadsheet software (i.e., Microsoft Word, Excel, etc.). 
• Exceptional oral, written and interpersonal communication skills  
• Exceptional organizational and time management skills.

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Compensation: Salary range for new hires is generally $124,190.00 - $153,410.00 for Costa Mesa, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned and restricted stock.

Benefits you’ll love:
We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning