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Senior Loan Underwriter

2 months ago

Irvine, California, United States City National Bank Full time

Position Overview:

The Senior Credit Analyst - Corporate Banking plays a crucial role in the loan management cycle by delivering expert credit analysis and underwriting support to the Commercial Banking division. This position involves assessing potential loan transactions and evaluating the creditworthiness of borrowers. The analyst is responsible for validating the credit assessments conducted by Credit Analysts and providing informed opinions and recommendations regarding proposed credit and associated risks. It is essential to ensure that all due diligence and background evaluations are comprehensive prior to submitting the Credit Risk Recommendation ("CRR").

Key Responsibilities:

  • Evaluate loan applications and financial data, including third-party reports (e.g., real estate appraisals, environmental assessments, asset-based lending examinations, inventory appraisals), to determine credit structure and terms. Underwrite CRR in accordance with the Bank's policies and procedures, ensuring that the recommendation is well-supported and that the risk rating is accurate.
  • Participate in client meetings at the request of the Relationship Manager or Team Leader to facilitate the delivery of credit products and assist in resolving issues. Engage directly with borrowers to gather additional information or clarify financial documents.
  • Provide balanced credit guidance to Relationship Managers and collaborate on credit strategies.
  • Develop creative credit solutions that align with profitability and risk standards, and prepare credit approval memoranda.
  • Advise on loan pricing to ensure it reflects the inherent risks of transactions, restructuring loans or lines of credit as necessary to minimize potential losses for the Bank.
  • Conduct quarterly reviews of Problem Loans, including financial assessments of clients' conditions and monitoring compliance with covenants. Proactively develop and implement Action Plans, escalating credit concerns as needed.
  • Take the lead in identifying early signs of problem loans and ensure timely adjustments to loan grades. Monitor overdue accounts in collaboration with Relationship Managers.
  • Stay informed about all Bank lending policies and regulations, consulting with the Credit Manager and relevant personnel regarding new or existing lending requirements.
  • Coordinate loan documentation, collaborating with legal counsel to ensure all documents are accurate and protect the Bank's interests. Regularly review collateral to mitigate credit exposure.

Essential Qualifications:

  • Bachelor's Degree or equivalent experience.
  • A minimum of 7 years of experience in underwriting large and moderately complex corporate credit.
  • At least 7 years of experience in a banking or financial services environment.

Skills and Expertise:

  • Extensive technical knowledge of corporate banking credit principles and financial concepts, with a proven ability to creatively solve complex credit challenges.
  • Strong verbal and written communication skills.
  • Exceptional organizational abilities.
  • Proven accountability in decision-making processes.
  • Capacity to work independently in restructuring loans or lines of credit as required.

Compensation: The starting base salary ranges from $111,408 to $189,738 annually, with variations based on skills, experience, and location. This position is eligible for bonuses and/or commissions.

Benefits and Perks: City National Bank is committed to providing an excellent benefits package to our employees. Explore our offerings to learn more about the advantages of joining our team.

Diversity and Inclusion: City National Bank is an equal opportunity employer dedicated to fostering diversity and inclusion. All qualified applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other legally protected status.