Vice President, Commercial Underwriter- Commercial

What you'll do: As a Vice President, Commercial Underwriter - Commercial you'll be responsible for underwriting complex loan requests and renewals for working capital lines of credit, commercial real estate loans, term loans, formula based lines of credit, traditional asset based lines of credit and other Bank lending products.

You'll build internal relationships by working with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny. One of your key responsibilities is to review the loan structure, financial spreads, entity structures, collateral, market data and reports to understand inherent risks and prepare a recommendation to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual reviews.

May mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk.

- Perform special financial statement analyses, typically involving complex and interlocking relationships. - Provide credit information and references for customers, loan officers, or other agencies as requested. - Perform pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. - Gather and analyze all information necessary to present a financing request to senior management or Loan Committee for approval; may meet with existing or potential customers; visiting sites of loans; negotiate loan terms and conditions; refer and recommend acceptance to Credit Administration.

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

Compensation: Salary range for new hires is generally $129,995.00 - $160,581.00 for San Jose, CA. Salary range for new hires is generally $121,870.00 - $150,546.00 for Costa Mesa, CA. Salary range for new hires is generally $121,870.00 - $150,546.00 for Los Angeles, CA.

Salary range for new hires is generally $121,870.00 - $150,546.00 for San Diego, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned and restricted stock.