Business Banking Officer

Exchange Bank Santa Rosa , CA 95402

Posted 4 months ago

  • Are you interested in working at a stable and successful organization with a strong vision and core values?
  • Does giving back to your community to create a better future for generations to come speak to you?
  • Do you thrive on making significant contributions to the success of your team?

If this sounds like you, Exchange Bank may be your next great career opportunity!

In this role you will be responsible for contributing to high quality loan growth by analyzing, underwriting, recommending and approving credit requests generated by Branch Managers and Business Development Officers.You will assist with monitoring and managing existing loan portfolio to minimize credit losses and maintain compliance with loan policies and procedures. Key functions of this role include:

  • Analyze, structure, and underwrite loan requests and renewals, including commercial loans/lines, and commercial real estate. May also independently underwrite and structure large and complex Commercial, and Real Estate loans which may often include presentations to loan committee.

  • Utilize financial statements, credit reports, industry data, appraisals and legal documentation to develop a comprehensive financial and risk assessment for prospective and existing customers.

  • Interact with credit officers, loan officers, branch staff, appraisal staff, Legal staff, customers and other related team members regarding issues of credit quality, loan structure, pricing, risk grading and loan documentation.

  • May also work closely with credit officers and account officers to negotiate loan terms and accompany account officers on customer calls when necessary.

  • Work with Credit Support Group to prepare, complete and analyze spreads

  • Recommend or approve loans within delegated lending authority.

  • Ensure compliance with federal and state regulations, as well as bank policies and procedures.

To be successful in this role you will possess:

  • Extraordinary analytical thinking

  • Substantial level of business acumen

  • Outstanding customer service skills

  • Demonstrated problem solving ability

  • Superb organization skills

  • Excellent time management/prioritization ability

  • Proven flexibility/adaptability in a fast paced, high volume work environment

  • Superb interpersonal skills

  • High level influence/negotiation ability

  • Thorough knowledge of commercial underwriting, lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis, and financial projection modeling.

  • Knowledge of commercial underwriting, lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis, and financial projection modeling.

  • Knowledge of underwriting policies and procedures for Commercial Real Estate including appraisal methods, and environmental due diligence practices.

  • Knowledge of bank regulations, income tax accounting, finance and economics.

  • Knowledge of SBA underwriting policies and procedures a plus

Licenses and Certifications:

  • Must maintain a valid California driver license.

Education and Experience:

A combination of education and experience equivalent to a bachelor's degree in finance or closely related field; and knowledge typically gained through a minimum of three to five years' (or 7 10 years for a Level II role) experience in commercial lending underwriting and business development.

Who We Are

Established in 1890, Exchange Bank is one of the most unique community banks in the United States because of our history, ownership and legacy. Our employees enjoy a work environment that values a work/family balance, encourages community involvement and provides a competitive compensation and benefit package.

Our Mission - From generation to generation, we invest in people, business and community to build a strong future.

Commitment Respect Integrity Teamwork


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