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Appraiser


Bank of Stockton
Stockton
SUMMARY
Conduct market value appraisals of all types of real estate including residential, commercial, industrial and agricultural property for lending purposes.

ESSENTIAL DUTIES
• Complete appraisals of residential, multi-family, proposed subdivisions, commercial, industrial and agricultural properties by conducting inspections and interviews and collecting sales and related data.
• Review appraisals prepared by outside appraisers.
• Prepare appraisal reports in compliance with all applicable regulations and within specified timeframes.
• Answer questions from Credit Administration, lending officers and customers regarding appraisals.
• Complete work assignments according to the priorities established by the Chief Appraiser.
• Assist other departments as required and perform other related duties.

MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and /or ability required to perform the position in a satisfactory manner. Individual’s abilities may result in some deviation from these guidelines.
• General Certified appraiser license
• BA/BS degree or equivalent experience
• Financial Analysis skills
• PC skills
• At least 3-5 years of appraisal experience
• At least two years appraising investment type properties, multi-family over 5 units, proposed subdivision developments and agricultural properties
• Knowledge of management’s basic philosophy and goals
• Excellent organizational skills and ability to work independently
• Ability to communicate effectively with customers and staff both orally and in writing
• Ability to exercise sound judgment
• Ability to collect information, analyze data, and derive conclusions
• Possess a valid CA Driver’s License and maintain an excellent driving record

Contact:
Sally Chhourn
Human Resources Assistant 2
Bank of Stockton
Human Resources Department
PO Box 1110
Stockton, CA 95201
Office: (209) 929-1414
Fax: (209) 929-1496

 

Senior Commercial Banking Credit Products Officer


Bank of the West
Modesto, CA
Description
What sets Bank of the West apart from other banks is our team membersthey embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western valuesstraightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Job Description Summary

Responsible for contributing to credit portfolio quality and processing of requests for credit extension with extensive focus on credit relationship portfolio management and credit underwriting activities with the relationship management team. Analyzes, underwrites and recommends decisions on credit requests generated by relationship managers from commercial companies. Monitors, tracks and manages the credit portfolio with the goal of minimizing credit losses and maintaining compliance with credit review policy while keeping the office manager current on any credit issues that require attention. As a seasoned lender, takes primary responsibility for managing the credit needs of a portfolio of 15 or more commercial banking relationships.

Essential Job Functions
Supports units growth and profitability through underwriting credit requests and proactively monitoring credit portfolio.
Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 15 or more commercial banking relationships providing consultative underwriting advice, credit analysis, and ongoing monitoring of credit products and services to meet customers needs and minimize credit losses to the Bank.
Develops innovative credit solutions to meet customer/prospect credit needs.
Works closely with other CBG Departments (e.g. Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank to manage the risk of complex financial products and services.
Ensures development and preparation of effective proposals for presentation to existing and potential customers.
Participates, oversees, and assists in the preparation of CRRs, recommending credit facilities by signing final document. Ensures credit facilities and transactions are properly structured, priced, and documented.
Ensures quality control and risk management of relationships managed. Identifies, classifies, and monitors problems or potential problem loans in compliance with the internal credit review policy. Tracks and monitors receipt of financial reporting and covenant compliance certificates. Attempts to collect on accounts that are delinquent including negotiating payment schedules, obtaining proper pre-approval if required.
Interacts with Credit Administration, Appraisal, Legal, and other related Bank personnel regarding issues of credit quality, appropriate compensation for risk, as well as new business and related trends.
Qualifications
Required Experience
Requires deep knowledge of job area typically obtained through advanced education combined with experience.
Typically viewed as a specialist within discipline.
May have broad knowledge of project management.
Requires 7 years minimum prior relevant experience.
Education
Bachelors Degree Finance
Skills
General Administrative/Technical Skills Excellent knowledge of commercial lending policies, procedures, practices and documentation.
Excellent knowledge and ability to analyze financial statements, tax returns and cash flow.
Excellent working knowledge of Microsoft Office (Word, Outlook, Excel). Excellent working knowledge of other software used for analysis such as MFA and Tax Analysis.
Excellent written and verbal communication.
Ability to perform independently with a minimum of supervision.
Good organizational skills.
National Banking Division Generally targets companies with sales of $25 million or higher.
Agribusiness Banking Division Real Estate Industries Division Equipment Finance Division Asset Based Lending Division This is the ABL Product Manager entry level role and provides individuals the opportunity to grow the skill set required for a career in ABL.
This ABL Credit Analyst position is assumed to be part of the career path for future Product Manager or Underwriting position.
Some knowledge of collateral exam and liquidation process.
Strong knowledge and ability to analyze financial statements, tax returns and collateral from an ABL perspective.
Strong working knowledge of other software used for analysis such as MFA.

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.

Tanya E. Dennis, SHRM-SCP
Senior Recruiter, VP
Bank Of The West
300 South Grand Avenue, 13th Floor
Los Angeles, CA 90071
T (213) 972-0474 | C (949) 239-2863 | F (402) 918-8267
tanya.dennis@bankofthewest.com

 

Senior Commercial Banking Relationship Manager


Bank of the West
Napa, CA
Description
What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Job Description Summary

Responsible for the sourcing, securing, developing, and retaining profitable agricultural and commercial banking relationships within the assigned region. Primary focus is on finding new business opportunities to sell the Banks products and services. Responsible for contributing to the assigned Regions credit portfolio quality and participates in processing of requests for credit extension, ensuring credit facilities are properly structured, priced and documented. Maintains and grows current relationships by presenting new lending opportunities, cross selling, and other business to existing clients. Takes primary responsibility as the assigned officer for a portfolio of moderate to complex relationships including direct lending, smaller club-deals or agented syndicated facilities, and/or complex participation bought relationships. This position is the mid-level of the Relationship Manager job family.

Essential Job Functions
• Serves as primary contact with assigned prospective and current customers for all of the financial, banking, and investment counseling needs. Primary focus is on finding new business opportunities to sell the Banks products and services. Conducts interviews with applicants to thoroughly understand current and prospective customers needs and their financial situation to market and sell additional Bank products and services. Visits applicants at their place of business to verify and better assess their current situation and future needs.
• Identifies business needs and corresponding sales opportunities bank-wide and actively promotes ways to increase customer reliance on bank products and services, capitalizing on the unique and comprehensive capabilities of the bank. This would include Cash Management, Syndication, and the Capital Market Group.
• Assists in obtaining financial statements, tax returns, and other credit information and maintaining individual credit files for all existing customers. Participates in analysis of pertinent credit information and/or credit checks.
• Collaborates in write up of all Credit Requests, Variances and other correspondence related to the relationship. Presents credits at loan committee. Works with loan administration in the review and negotiation of loan documents.
• Manages existing portfolio and stays informed on their condition is aware of developing trends in the market which may impact credit quality. Prepares quarterly loan reports on existing portfolio.
Qualifications
Required Experience
• Requires deep knowledge of job area typically obtained through advanced education combined with experience.
• Typically viewed as a specialist within discipline.
• May have broad knowledge of project management.
• Requires 7 years minimum prior relevant experience.
Education
• Bachelors Degree Business or Finance
Skills
• Solid understanding of underwriting and analysis for companies of all sizes and complexities.
• Strong comfort and familiarity with use and application of commercial lending principles.
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. #LI-TD1

Tanya E. Dennis, SHRM-SCP
Senior Recruiter, VP
Bank Of The West
300 South Grand Avenue, 13th Floor
Los Angeles, CA 90071
T (213) 972-0474 | C (949) 239-2863 | F (402) 918-8267
tanya.dennis@bankofthewest.com

 

 
      Photos courtesy
      of Ken Dodderer
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