Job Abstract

Assists in building and supporting a strong credit culture within Bank of Hope. Demonstrated ability to work in a team-oriented environment on a collaborative basis. Demonstrated ability to multi-task. Desire to work in a dynamic and challenging environment characterized by sometimes changing priorities and short-term deadlines.

• Understand and implement the Bank’s lending policies and procedures. Responsibility for annual reviews of policies and procedures, as assigned.
• Supervisory responsibilities to include management of credit administrators and lending and mentoring authority over the RMs and PMs assigned to him or her.
• Help lead strategic planning related to corporate lending products, including risk appetite, regulatory and economic capital and ensuring appropriate returns.
• Understand how to present features and benefits of products and services to customers with differing needs
• Enforce the Bank’s loan policy and procedures with a focus on identifying policy exceptions and appropriately addressing key exceptions.
• Help training junior lenders; providing guidance in analysis and credit structuring.
• Identify developing trends in the loan portfolio and lending practices.
• Identify potential problem loans. Ongoing affirmation of accurate risk ratings and triggers for upgrades/downgrades.
• Comply with the government regulations and laws, including Bank Secrecy Act- Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, Fair Lending and Equal Credit Opportunity Act, FACT Act and Fair Credit Reporting Act, Community Reinvestment Act and other applicable laws and Ensure adherence to Environmental Risk Management procedures supporting Environmental Risk Management policies. Provide on-going training on these compliance requirements to the lending staff, as applicable.
• Provide first line senior approvals for transactions; help prepare and coordinate lender transactions to Management Loan Committee (MLC).
• Pre-review loan presentations before CCO, EVP-CA and/or MLC.
• Review and approve loans under Delegated Lending Authority.
• Discuss individual loans with Loan Officers on an ongoing basis, or as needed
• Perform business site visitations and interview applicants as needed.
• Follow up on issues from CAD monitoring schedule, external and internal loan reviews and regulatory examination.
• Conduct periodic meetings with assigned Loan Officers
• Coordinate and conduct various training classes including credit training class for Loan Officer Trainees.
• Monitor Past Due Report and report new past due customers to management
• Mentor and help train Loan Administration Department staff.
• Confirm accuracy of various loan administration reports prepared by Loan Administration Officers/Assistant.
• Screen and recommend outside vendor/service companies for the lending staff.
• Monitor and resolve any credit related complaints.
• Comply with the Bank’s security program, including but not limited to:
  • Review and comply with the End-User Computing Agreement
  • Acquire good knowledge on functions and usage of computer systems as related to the assigned job
  • Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
  • Report suspicious activities to manager, Chief Risk Officer or Chief Information Security

• Bachelor’s Degree, preferably in business or finance but not mandatory
• 10 to 15 years commercial lending experience with at least 5-7 years in a credit approval function with a commercial bank preferred and up to $15MM in loan approval authority.
• Direct experience with the board, executive management, regulators, auditors, accountants, and other consultants in the industry.
• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
• Ability to respond effectively to the most sensitive inquiries or customer complaints.
• Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, employees, regulators, or board members.
• Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
• Ability to interpret an extensive variety of macroeconomic, technical or industry metrics
• Ability to demonstrate a high level of ethical behavior and follow the Code of Conduct.
• Organizational ability with strong supervisory and management skills.
• Ability to remain flexible in order to adapt to changes in the work environment.
• Ability to study and apply new information.
• Ability to take initiative and prioritize tasks; good time-management, problem prevention, and problem-solving skills.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to work with co-workers, customers, and outside agencies professionally and tactfully.
• Possess a work ethic that includes neatness, punctuality, and accuracy.
• Exhibit a professional, businesslike appearance and demeanor.
• Mentor staff for successful operations and proper customer service.
• They are also responsible for:
  • Adequate staff training on the appropriate use of systems, handling of media, security policies and protection of confidential information.
  • Periodic review of adherence to established security controls
  • Reporting security deficiencies to the Information Security Officer
  • Protection of confidential information and records
  • Ensuring that all critical data is saved on the default server drives assigned to each user for automated

The salary range for this full-time position is $200,000 - $325,000 + bonus + benefits

Salary ranges are determined based on qualifications, level, and location.

Exact compensation may vary based on your skills and experience.

Bank of Hope is an equal employment opportunity employer and does not discriminate on the basis of race, color, gender, religion, age, sexual orientation, genetic information, national or ethnic origin, disability, marital status, veteran status or any other basis protected by federal, state, or local law.