Senior Credit Officer

Job Title: Senior Credit Officer Location: San Jose What you'll do: As a Senior Credit Officer you'll be responsible for approving, administering and reviewing loans and loan commitments to ensure that they adhere to existing policy guidelines and that documentation is adequate to ensure security of collateral, providing a “first line of defense” within the Bank’s Credit Risk Management framework. You'll oversee primary credit portfolio management and reporting activities consistent with the Bank’s policies and procedures. One of your key responsibilities is to build relationships with account officers by assisting in analyzing, underwriting, and managing credits as well as to support the Credit Administration team by expediting the team's prescreening, underwriting and approval process. Responsible for supporting the Chief Credit Officer by reviewing large and complex loans prior to submission to CCO. Communicate with CCO on deal pipeline, portfolio issues and any other material matters. Consistently apply good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development. Assist in reviewing and updating credit policies and procedures. Assure compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations. Review legal documents to ensure accuracy and consistency with approved terms and conditions. Perform periodic assessments of concentration limits and concentration risk to local economy and periodic local economic analysis. Assist with preparation and review of quarterly portfolio reviews. Oversee loan grading process to ensure loans are properly risk rated. Assist in workout credits assigned to the department and prepares LAPSR’s for criticized loans, as well as preparing monitoring reports for Watch credits. Will assist Loan Officers in the management of weak credits. Performs post mortems on charged off loans. Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Work directly with the Bank’s overall Portfolio Credit Risk Management function providing data inputs, quality control correction and feedback, dashboard reporting, and execution of corporate efforts surrounding Credit Portfolio Stress Testing, Dual Risk Rating procedures, concentration management and related Portfolio Credit Risk Management processes. Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

10+ years of related experience. Bachelor's degree or equivalent experience required. Previous leadership experience required. Expert knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services. Expert knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Expert speaking and writing communication skills.

Salary range for new hires is generally $235,005.00 - $290,301.00 for San Jose, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned and restricted stock. Benefits you’ll love: We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About