Location: San Jose
Department: Credit Administration Department
This position requires strong knowledge of cash flow, loan structure, collateral issues, due diligence, financial statement spreading techniques, loan portfolio management and solid real estate appraisal review skills. The qualified candidate should be a highly motivated self-starter with strong interpersonal skills, excellent written and verbal skills, solid underwriting experience with excellent accounting and computer skills, including strong financial spreading software experience. The candidate should be able to work under minimum supervision and be able to meet deadlines.
In this position, the ideal candidate acts as the Bank’s Consumer Loan Manager on HELOC and Ready Reserve Accounts for assigned regions. Examines, evaluates, and recommends credit decisions on client applications for retail small business and consumer loan requests, specifically the Professional Loan Product Suite; Reward Line of Credit (Business); Reward Term Loan (Business); Reward Line of Credit (Consumer); Convenience Line of Credit (Consumer); and Installment Loans (Consumer). Processes credit card applications (business and consumer) for assigned regions.
We are seeking an experienced credit officer with a background in commercial and RE loan spreads and appraisal review to work in our Centralized Lending Department.
Benefits include competitive salary, bonus plan, medical, dental, vision, group life & long term care insurance, 401(k), tuition reimbursement program, and health club allowance. EOE