VP, Credit & Portfolio Manager

American Business Bank; Corona, Northern (CA, KY); Hybrid; USD 140,000 - 160,000; Full time

Job summary

American Business Bank in Corona, CA seeks a VP, Credit & Portfolio Manager to oversee credit and portfolio management for the Corona Office. You will analyze existing and potential clients, support underwriting and business development, and provide financial counsel while ensuring compliance with bank policies and regulations.

As the primary officer for assigned client relationships, you will manage complex accounts, coordinate with relationship managers, and drive growth through proactive

Responsibilities

• Supports the design, execution and oversight for all aspects of credit and portfolio management for the Corona Regional Office.
• Executes processes for Write-Ups, Tickler Covenant Tracking, Credit Track, Approvals, Renewals, PCRMs, Investor Real Estate Reviews, etc.
• Assists with relevant credit training within the office.
• Assists with the management of credit portfolios.
• Maintains covenant tracking systems and communicates past due reporting to Relationship Managers.
• Ensures all files stay up-to-date and compliant with monthly reports.
• Ensures write-ups are completed by due date and reviewed five days prior.
• Contributes to related projects improving credit processes and procedures.
• Leverages relationships to develop additional commercial, middle market relationships.
• Prospects leads, researches to qualify, coordinates with loan officers.
• Determines loan types and terms within lending limits or makes recommendations.
• Provides financial advice to customers and prospects.
• Processes, solves and answers complex customer transactions or inquiries.
• Answers calls and directs callers to bank personnel.
• Ensures compliance with bank policies and applicable banking laws.

Skills

Credit analysis

Portfolio management

Relationship management

Underwriting

Financial counsel

Compliance

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full-time Corona, CA, US

Salary Range: $140,000.00 To $160,000.00 Annually

VP, Credit & Portfolio Manager

Supports the overall credit and portfolio management function for the Corona Office. Facilitates comprehensive credit analysis of existing and potential clients, assists in the management of risk in existing relationships to protect the financial health of the Bank, keeps informed as to the status of loans in the office portfolio, provides relationship managers with support in underwriting and business development, and providing financial counsel to current and prospective customers, while ensuring adherence to all Bank policies and procedures. Serves as the primary officer for assigned customer relationships and handles complex accounts and makes credit recommendations independently along with providing deposit related advice to customers. Calls on potential or existing customers to assist in retention and growth of existing business relationships. Proactive in providing ideas about process and procedure improvements for the credit process.

Location: Corona, California

ESSENTIAL DUTIES

Supports the design, execution and oversight for all aspects of credit and portfolio management for the Corona Regional Office.

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

Assists with relevant credit training within the office.

Assists with the management of credit portfolios.

Assists with the maintenance of the Regional Office’s covenant tracking system. 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.

Ensures all assigned write-ups are completed in compliance with the due date, ensuring all write-ups are out to appropriate Relationship Managers for review five days prior to the due date.

Assists with additional, related projects while contributing to the overall betterment of the credit processes and procedures of the Bank as a whole.

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 Relationship Manager.

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.