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VP- Commercial Banker

Company: Western Alliance Bancorporation
Location: La Mesa
Posted on: November 19, 2022

Job Description:

Job Title:

VP- Commercial Banker

Location:

La Mesa

What you'll do:

The Commercial Banker is responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial and business loans. The position is responsible for attaining established individual, division and corporate goals through active participation in sales management and officer call programs. The Commercial Banker will promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

What we are looking for:

* Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services.


* Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.


* Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.


* Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer, Regional President or Loan Committee.


* Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.


* Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.


* Ensures that certification or deletion of collateral is made by the appropriate personnel.


* Negotiates, underwrites and processes renewals of credit facilities.


* Approves loan payments, draws from lines of credit, and fund transfers within specified limits.


* Authorizes commitment, engagement, action, and decline letters.


* Contributes to the overall profitability of the region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget.


* Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.


* Understands business implications of decisions; displays orientation to profitability, demonstrates knowledge of market and competition; aligns work with strategic goals.


* Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.


* Represents the Bank in various, civic, community development, and CRA functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.


* Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.


* Directly responsible in meeting annual deposit and loan growth goals assigned by senior management.



Qualifications:

* Bachelor's degree (BA) or equivalent from a four (4) year college or university


* Five (5) years or more of Commercial Credit, Underwriting and Loan Origination experience including the soliciting, negotiating, underwriting and closing of commercial Loans.


* Advanced knowledge of related state and federal lending and compliance regulations.


* Exceptional oral, written and interpersonal communication skills.


* Ability to develop marketing and business development plans to increase business.


* Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.


* Exceptional organizational and time management skills.


* Ability to work with no supervision while performing duties.



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Benefits you'll love:

We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

Western Alliance Bancorporation

Keywords: Western Alliance Bancorporation, La Mesa , VP- Commercial Banker, Other , La Mesa, California

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