Senior Loan Officer

Bank of the Orient; Millbrae (CA); On-site; USD 110,000 - 170,000; Full time

Job summary

Bank of the Orient seeks a Senior Lending Officer to oversee lending for commercial, mortgage, SBA, and related services. You will develop new loans, manage deposits, and lead a relationship-based sales culture with a focus on credit quality and regulatory compliance.

The role requires strong analytical skills, extensive lending experience, and a track record of growing loan portfolios while maintaining high credit standards.

Qualifications

• Bachelor's degree in Business, Finance, Banking, or related field required.
• Advanced degree or certification in related discipline preferred.
• Minimum 7-8 years increasingly responsible experience in commercial, real estate, and consumer lending, and SBA loan.
• Minimum 7-8 years with sales and marketing experience.
• Knowledge of regulatory environment and lending function within it.
• Comprehensive knowledge of lending principles, practices and services in domestic and international banking.
• Excellent oral communication skills and ability to develop business relationships.
• Ability to analyze problems, data, and design solutions to improve lending sales culture.
• Excellent written communication and ability to present conclusions clearly.

Responsibilities

• Ensure loan decisions and actions comply with laws, regulations, and bank policy.
• Administer credit worthiness and documentation for loans and borrowing relationships.
• Source, secure, develop, and retain profitable banking relationships.
• Identify new business opportunities to sell banking products and services.
• Contribute to credit portfolio quality and process credit extensions.
• Grow existing relationships through cross-selling and presenting lending opportunities.

Skills

Credit underwriting knowledge

Analytical thinking

Sales experience

Communication skills

Regulatory knowledge

Problem solving

Relationship building

Education

Bachelor's degree in Business, Finance, Banking, or related field

Advanced degree or certification in related discipline

Job description

Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple Bay Area communities for over 55 years and Texas area. We are well known for our commitment to providing the highest level of personal service to our customers; we take a personal interest in our communities' unique banking needs, we are dedicated to providing integrity in banking and financial services, we provide high quality dependable service by being accessible and reliable. We are committed to excellence in everything we do.

We have an opening for a Senior Lending Officer is responsible for the overall lending areas for the Bank including commercial, mortgage, SBA Loan, and commercial services. Strategically developing new loans and deposits in conformity with approved policies and procedures including underwriting and structuring of new loans, and in managing existing loan and deposit relationships. Responsible for creating a relationship-based sales culture with service excellence that supports the achievement of best-practice goals with excellent credit quality. Develops the strategy, tactics, and performance goals required to achieve targeted financial goals. This position requires to possesses strong analytical and critical thinking skills, and proven history in growing a sound loan portfolio. This position will ensure conformity with legal and regulatory compliance as well as the Bank lending policy; contribute to the Bank’s success by ensuring that all products and services are innovative, competitive, and profitable, and responsible for developing and maintaining relationships with key stakeholders, community, and bank partners, and responsible for developing and executing sales strategies to either maintain or gain clients to increase lending revenue and deposit growth. Drive sales activities of the Commercial Banking department.

ESSENTIAL DUTIES:

• 1. Responsible for ensuring that all loan decisions, actions and recommendations are based on an accurate and thorough understanding of each customer's financial needs and conditions and comply with all laws, regulations, and bank policy.
• 2. Must properly administer the credit worthiness and documentation of all loans and/or borrowing relationships originated to the Chief Credit officer.
• 3. Responsible for the sourcing, securing, developing, and retaining profitable banking relationships.
• 4. Primary focus is on finding new business opportunities to sell the Bank's products and services.
• 5. Responsible for contributing to the credit portfolio quality and participates in processing of requests for credit extension, ensuring credit facilities are properly structured, priced and documented.
• 6. Maintains and grows current relationships by presenting new lending opportunities, cross selling, and other business to existing clients.

REQUIREMENTS:

• 1. Requires Bachelors degree in Business, Finance, Banking, or related field.
• 2. Advanced degree or certification in related discipline.
• 3. Minimum 7- 8 years increasingly responsible experience in business development of commercial, real estate, and consumer lending , and SBA loan.
• 4. Minimum 7- 8 years with sales and marketing experience.
• 5. Must know and understand the regulatory environment and how the lending function fits in that environment.
• 6. Comprehensive knowledge of lending principles, practices and services in domestic and international banking.
• 7. Excellent oral communication skills with the ability to develop excellent business development initiatives and build concrete customer relationships.
• 8. Ability to define problems, analyze data, and design and implement solutions to enhance the Bank’s sales culture.
• 9. Excellent written communication skills, and the ability to clearly and concisely express analytical conclusions and recommended actions with tact and diplomacy.
• 10. Ability to use knowledge, experience, discretion and independent judgment in solving problems and answering questions in a fast-paced, changing environment.

Candidate will be subject to investigation through credit checks, reference checks, background checks and fingerprinting checks performed at the time permissible under relevant law.

Visit our website at: www.bankorient.com for additional information.

Bank of the Orient is proud to be an