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Posted: Thursday, February 23, 2017 4:46 PM

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. The Loan Officer should strive to build strong working relationships with all clients to ensure open communication and improved understanding of the client's operating performance and needs. Loan officer must also maintain a large and active portfolio. RESPONSIBILITIES: + Establishing new relationships and fostering existing relationships. + Analyze commercial real estate lending opportunities, including construction loans, real estate bridge loans, mini-perm loans, as well as working capital lines of credit and term loans to real estate related businesses, and 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 requested credit facility. + 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 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 repayment in full. + Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors. + Ensure loans are performing by tracking financial performance of client operations. Perform financial statement analysis to monitor trends and new developments that may impact loan performance. Monitor payment performance and address and resolve delinquencies in a timely manner. As applicable, monitor compliance with loan covenants and update 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: + BA Degree in finance or related field and/or related work experience + A minimum of five or more years lending/credit experience, including valuation and asset management, and financial analysis. + A general knowledge of loan documentation, collateral analysis and financial statements + PC proficient with emphasis on spreadsheets (Word, Excel, Argus) + Familiarity with Moody's analysis systems or similar underwriting platform + Strong analytical and communication skills required, together with an entrepreneurial work ethic + Above-average interpersonal skills; ability to communicate verbally with a wide range of people + Responsiveness, judgment, maturity, integrity, and time management skills are required + Ability to travel for client visits and other meetings as needed #LI-HJ1


• Location: Los Angeles

• Post ID: 101794167 losangeles is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2017