Credit Products Officer
Company: Bank of the West
Posted on: June 7, 2021
At Bank of the West, our people are having a positive impact on
the world. We're investing where we feel we can make the most
impact, like advancing diversity and women entrepreneurship
programs, financing for more small businesses, and promoting
programs for sustainable energy. From our locations across the
U.S., Bank of the West is taking action to help protect the planet,
improve people's lives, and strengthen communities. We are part of
BNP Paribas, a global leader supporting the UN Sustainable
Development Goals (SDGs). Yes, we're a bank, but as the bank for a
changing world, we are continually seeking to improve the ways we
help our customers, while contributing to more sustainable and
Job Description Summary
The incumbent contributes to agented credit due diligence and
marketing efforts. Partnering with senior team members, the
incumbent is responsible for providing detailed analysis of
financial statements and projections and for preparing clean
transaction marketing materials, including pitch presentations and
confidential information memorandum. The incumbent may interface
directly with borrowers and participating banks, attend client and
prospect meetings, and prepare more complex credit analysis for
agented facilities. The incumbent must possess strong communication
skills and frequently interacts with Relationship Managers, Credit
Product Officers, CBG Loan servicing, Operations, Legal and other
personnel to obtain documentation or assist with loan closing and
loan maintenance. This is a CBG sales professional entry-level role
and provides individuals the opportunity to grow the skill set
required for a career in relationship management or credit
Essential Job Functions
Supports unit's growth and profitability by producing
qualitative financial reviews for transactions. Determines optimal
transaction structure by analyzing credits, including financial
statement spreading analysis and cash flow projections to.
Proactively manages transaction process from pitch to closing;
assists with the preparation of term sheets and monitors ongoing
transactions to ensure proper documentation for loan closing.
Establishes transaction data rooms and populates with offering
materials, collateral documents, and credit documents.
Attends client and team meetings and assists in determination of
client needs. Assists Senior Officers with the completion of
marketing materials and other tasks as needed, providing timely,
error-free analysis and review as applicable.
Interacts with Relationship Managers, Credit Product Officers,
CBG Loan Servicing, Legal, and other related Bank personnel
regarding issues of credit quality, appropriate structure, as well
as new business and related trends.
- Manages the risk of complex financial products and transactions
by working closely with other CBG Departments (e.g., Cash
Management, Capital Markets, Equipment Leasing, Trade Finance), and
other major areas of the Bank.
Other Job Duties
Views credit quality as a personal obligation; exhibits
independent judgment; ensures balanced loan presentations;
responsible for on-going account monitoring; proactive in problem
detection/resolution; contributes to maintaining balance between
growth and credit quality.
Provides support to the Regional and Division managers for
special projects and reporting tasks. Such special projects may
include transaction comparable analysis, in-market credit lists,
portfolio analysis, presentations for senior bank management and
the creation of excel based underwriting tools.
When applicable, interfaces directly with borrowers to obtain
financial information and review financial information directly and
assists in review of credit requests.
Prepares and updates reports as necessary.
- Performs other duties as assigned.
- Bachelors Degree in Business or Finance
- Requires 5 years minimum prior relevant experience of
commercial lending policies, procedures, practices and
- Proficient knowledge and ability to analyze financial
statements, tax returns and cash flow.
- Proficient working knowledge of Microsoft Office (Word,
- Proficient working knowledge of other software used for
analysis such as MFA and Tax Analysis.
- Proficient written and verbal communication.
- Ability to perform independently with a minimum of
- Good organizational skills.
Equal Employment Opportunity Policy
Bank of the West is an Equal Opportunity employer and proud to
provide equal employment opportunity to all job seekers without
regard to any status protected by applicable law. Bank of the West
is also an Affirmative Action employer - Minority / Female /
Disabled / Veteran.
Bank of the West will consider for employment qualified
applicants with criminal histories pursuant to the San Francisco
Fair Chance Ordinance subject to the requirements of all state and
federal laws and regulations.
Keywords: Bank of the West, Napa , Credit Products Officer, Other , Napa, California
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