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VP / SVP, Relationship Manager

Gardena, CA, USA | PacWest Bancorp

  • Industry:
    Banking / Investment Banking
  • Position Type:
    Full-Time
  • Functions:
    Business Development
    Financial Services Professional
    General Management
  • Experience:
    5-7 years
Job Description:
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This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process. 

RESPONSIBILITIES: 

Establishing new relationships and fostering existing relationships

Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.

Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose

Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made

Prepare investment analysis and credit package for review by department manager and credit administrators

On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided

Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors

Manage financial ticklers

Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities

Stay abreast of market trends and develop/maintain a network of referral sources

Perform other duties as assigned

POSITION REQUIREMENTS: 

B.A. Degree in finance or related field and/or related work experience

Minimum of 4-7 years of experience in commercial lending, including valuation and asset management, and financial analysis

A general knowledge of appropriate loan documentation, collateral analysis and financial statements

P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus)

Familiarity with Moody’s analysis systems

Excellent composing and writing skills

Above-average interpersonal skills; ability to communicate verbally with a wide range of people

Positive attitude and willingness to work

Responsiveness, judgment, maturity, integrity, and time management skills are required


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