Loan Officer

5 days ago


Alameda, United States Hamlyn Williams Full time

Hamlyn Williams has partnered with a growing regional bank to find a Loan Risk Officer to help strengthen the bank's Credit Risk and loan portfolio workout practices.


Position Overview

The Loan Risk Officer (VP) is responsible for evaluating and enhancing credit risk management practices with minimal supervision. This role involves identifying and addressing regulatory considerations related to credit risk management, providing recommendations to senior leadership, and ensuring adherence to sound credit risk controls in line with regulatory standards. Additionally, the position includes oversight of credit workouts and managing the OREO portfolio, as well as involvement in negotiating complex workout arrangements with borrowers.


Key Responsibilities

  • Monitor and assess special mention and watch-list loans, ensuring adherence to workout guidelines and proper risk grading.
  • Identify early signs of credit deterioration and recommend timely corrective actions.
  • Develop and negotiate tailored workout plans with borrowers to mitigate risk.
  • Prepare documentation to support loan liquidations and guaranty repurchase processes for applicable programs.
  • Conduct evaluations of workout portfolios, assessing loan terms and identifying risks for further deterioration.
  • Analyze clients' financial performance and industry trends, presenting findings and recommendations to senior management.
  • Produce and review credit risk reporting for specific products, ensuring accurate monitoring of key indicators.
  • Ensure adherence to risk policies and standards, leveraging knowledge of stress testing for credit risk analysis.
  • Prepare detailed reports on problem loans, including recommendations for upgrades, downgrades, and outlook assessments.
  • Maintain the quality and accuracy of reports submitted to executive management and the board of directors.
  • Identify portfolio trends, emerging risks, and coordinate solutions to portfolio issues with relevant stakeholders.
  • Facilitate quarterly problem loan meetings and prepare necessary materials.
  • Volunteer for community activities, meeting required service hours annually (typically during business hours).


Qualifications

  • Bachelor’s degree in business or a related field (preferred).
  • 5–10 years of experience in commercial banking.
  • 3–5 years of experience in credit administration.
  • Strong knowledge of legal credit agreements.
  • Proficiency in Microsoft Office applications, particularly Word, Excel, and Outlook.
  • Exceptional organizational skills and effective communication abilities.
  • Ability to manage multiple tasks in a fast-paced environment.


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