VP Portfolio Banker

Specialty Lending Group  (Non Profit Underwriting)

 Location:  Seal Beach, CA

Job Code:  P64MK

The SLG Portfolio Banker works closely with the SLG Relationship Managers and Regional Relationship Manager to evaluate the financial information and needs of prospective and existing borrowers.  The SLG Portfolio Banker is responsible for the gathering and analyzing credit information, for conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return parameters of financing transactions as well as preparing Loan Worksheet Addendums and Speed Memo Addendums.  The SLG Portfolio Banker regularly interfaces with Clients, Relationship Managers, SLG Manager, Credit Administrators and Senior Management, and provides recommendations relating to credit extension decisions.  The SLG Portfolio Banker is required to have knowledge of the Small Business Administration SOPs, forms, and documentation required by the CDC. Additionally, the Portfolio Manager maintains a strong working relationship with the Bank’s partner CDC and works with CDC to obtain all necessary approvals to ensure the SBA’s commitment on each transaction.

Post loan boarding duties include following for financial reporting and financial covenant compliance and monitoring financial trends of borrowers and value of collateral.  The SLG Portfolio Banker is usually designated as the secondary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction.  The SLG Portfolio Banker works closely with the SLG Specialists on training for the underwriting projects, issuing LOIs, and writing RBR Memorandums.

Essential Duties:

• Analyze credit data, financial statements and pertinent information for credit worthiness to determine the degree of risk involved in extending credit
• Spread financial statements and Federal tax returns on CASH Insight of borrowers and guarantors
• Analyze financial data such as revenue growth, profitability, cash flow, quality of management, and industry market share to determine expected repayment of loan
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
• Prepares and presents credit reports to appropriate senior staff or committees for use in the making of lending decisions on new, renewal and extension loans
• Monitor credit risk by periodically evaluating financial trends, credit bureau reports, pay habits, and other sources of information of the borrower and guarantor(s)
• Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and updating all pertinent credit loan file information, and adherence to all loan agreements requirements including following for required financial reports and compliance with financial covenants

Property Types

• Schools
• Retail & Office
• Warehouse and Industrial
• Houses of worship
• Healthcare Facilities
• Housing
• Mixed-use

Loan Types

• Owner-occupied CDC/504 purchase or refinance
• Property purchase, construction, renovation, and/or tenant improvements
• Tax-exempt bond financing for fixed asset acquisition
• Non-profit lending (e.g. commercial real estate, pledge campaigns)

Estimated salary range (DOE):  $90K to $175K plus annual bonus, (possible signing bonus), medical, dental, vision, life, vacation, 401K

Email your resume in MS/Word to Guyot@Bankers-Search.com

Or contact Keith Guyot at (310) 823-1400