SVP, Sr. Credit Administator

2 weeks ago


Los Angeles, California, United States Bank of Hope Full time
Overview

Bank of Hope is looking for someone that has in depth knowledge of commercial lending, with a focus on mid-corporate, middle market, leveraged finance and capital markets.

, Familiarity with structured C & I transactions, complex ownership and capital structures and capital markets knowledge is preferred.

Broad knowledge of regulatory requirements and standards applicable to leveraged finance, commercial lending and commercial real estate lending is required.

Superior credit analysis skills to include identifying key transaction risks, analyzing cash flows & enterprise value and structuring appropriate mitigations to minimize Bank of Hope expected losses.

Ability to develop strategies to manage problem loans. Strong interpersonal communication and presentation skills. Assists in building and supporting a strong credit culture within Bank of Hope. Demonstrated ability to work in a team-oriented environment on a collaborative basis. Demonstrated ability to multi-task. Desire to work in a dynamic and challenging environment characterized by sometimes changing priorities and short-term deadlines.

Responsibilities & Duties

Approve or reject complex loans within delegated authority including where difficult questions of policy and credit risk may be involved.

Understand and implement the Bank's lending policies and procedures. Responsibility for annualreviews of policies and
procedures, as assigned.

Responsible for providing effective credible challenge on client selection, risk identification/mitigation, and adherence to risk appetite, policies, and underwriting standards.

Supervisory responsibilities may include management of credit administrators and lending and mentoring authority over the RMs, and PMs assigned to him or her.

Help lead strategic planning related to corporate lendingproducts, including riskappetite, regulatory andeconomic capital.
and ensuring appropriate returns.
Understand how to present features and benefits of products and services to customers withdiffering needs.
Enforce the Bank'sloan policy and procedures witha focus on identifying policyexceptions and appropriately addressing key exceptions.
Help training juniorlenders; providing guidance in analysis and credit structuring.
Identify developing trendsin the loanportfolio and lendingpractices.
Identify potential problem loans. Ongoing affirmation of accurate risk ratings and triggers forupgrades/downgrades.

Comply with the government regulations and laws, including Bank Secrecy Act- Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, Fair Lending and Equal Credit Opportunity Act, FACT Act and Fair Credit Reporting Act, Community Reinvestment Act and otherapplicable laws andregulation.

Ensure adherence to Environmental Risk Management procedures supporting Environmental Risk Management policies. Provide on-going training on these compliance requirements to the lending staff, as applicable.
Provide first linesenior approvals for transactions; helpprepare and coordinate lender transactions to Management Loan Committee (MLC).
Pre-review loan presentations before CCO, EVP-CAand/or MLC.
Review and approve loans under Delegated Lending Authority.
Discuss individual loanswith Loan Officers on an ongoing basis, or as needed.
Perform business sitevisitations and interview applicants as needed.
Follow up on issues fromCAD monitoring schedule, external and internal loan reviews and regulatory examination.
Conduct periodic meetings with assigned LoanOfficers
Coordinate and conduct various training classesincluding credit training class for Loan Officer Trainees.
Monitor Past Due Report and report newpast due customers to management.
Mentor and helptrain Loan Administration Department staff.
Confirm accuracy of various loanadministration reports prepared by Loan Administration Officers/Assistant.
Screen and recommend outside vendor/service companies for the lendingstaff.
Monitor and resolveany credit relatedcomplaints.
Comply with theBank's security program, including but not limited to:
Review and complywith the End-User Computing Agreement
Acquire good knowledge on functions and usage of computer systemsas related to the assigned job functions.
Be current and knowledgeable in industry's trend in safeguarding the Bank against confidential data leak, identity theft,
fraudulent activities, and computer security threats.
Report suspicious activities to manager, ChiefRisk Officer or Chief Information Security Officer.

Job Qualifications/Requirements
Bachelor's Degree, preferably in business or finance but not mandatory
10+ years of related credit experience with up to $15MM in loan approval authority.
knowledge of credit underwriting and loan structuring with particular emphasis on cash flow and enterprise value
Proven knowledge of syndications/capital markets and related products and services. Lead bank experience preferred.

Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.

Ability to respond effectively to the most sensitive inquiries or customer complaints.

Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, employees, regulators, or board members.

Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
Ability to interpret an extensive variety of macroeconomic, technical or industry metrics.
Ability to demonstrate a high level of ethical behavior and follow the Code of Conduct.
Organizational ability with strong supervisory and management skills.
Ability to remain flexible in order to adapt to changes in the work environment.
Ability to study and apply new information.
Ability to take initiative and prioritize tasks; good time-management, problem prevention, and problem-solving skills.
Ability to work accurately with close attention to detail.
Ability to maintain confidentiality of sensitive information.
Ability to work with co-workers, customers, and outside agencies professionally and tactfully.
Possess a work ethic that includes neatness, punctuality, and accuracy.
Exhibit a professional, businesslike appearance and demeanor.
Mentor staff for successful operations and proper customer service.
Adequate staff training in the appropriate use of systems, handling of media, security policies and protection of confidential information.
Periodic review of adherence to established security controls.
Reporting security deficiencies to the Information Security Officer
Protection of confidential information and records


Bank of Hope is an equal employment opportunity employer and does not discriminate on the basis of race, color, gender, religion, age, sexual orientation, genetic information, national or ethnic origin, disability, marital status, veteran status or any other basis protected by federal, state, or local law.

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