Credit Officer Lead Corporate Banking
Wells Fargo
Personal Banker Mission 880 district
Wells Fargo • San Lorenzo, CA, United States • via LinkedIn
16 hours ago
Full–time
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Job highlights
Identified by Google from the original job post
Qualifications
As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations
Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results
Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below
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Benefits
It means having a competitive salary, a robust benefits package, and programs to support your work-life balance and well-being
It means being rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow
San Leandro, California- Pay Range: $22.00 - $ 30.1+ Hourly
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Responsibilities
Participate in delivery of exceptional customer experience by building relationships through proactive outreach as well as proposing appropriate products, services, and digital solutions to help customers succeed financially
Assist customers with basic requests related to opening new accounts, completing service requests, and submitting credit applications
Receive direction from managers and exercise judgement within defined policies and procedures
+ more items(s)
Job description
Why Wells Fargo
Are you looking for more? Find it here. At Wells Fargo, we believe that a meaningful career is much more than just a job. It's about finding all of the elements that help you thrive, in one place. means you're supported in life, not just work. It means having a competitive salary, a robust benefits package, and programs to support your work-life balance and well-being. It means being rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it! Wells Fargo ranked in the top three on the 2024 LinkedIn Top Companies List of best workplaces "to grow your career" in the U.S.
About This Role
Wells Fargo is seeking an Associate Personal Banker (SAFE) for our National Branch Network as part of the Consumer, Small & Business Banking division. Learn more about the career areas and business divisions at wellsfargojobs.com.
In This Role You Will
• Participate in delivery of exceptional customer experience by building relationships through proactive outreach as well as proposing appropriate products, services, and digital solutions to help customers succeed financially
• Assist customers with basic requests related to opening new accounts, completing service requests, and submitting credit applications
• Receive direction from managers and exercise judgement within defined policies and procedures
• Develop understanding of bank products and services to connect to customers' needs
• Interact with customers to demonstrate care and build relationships
• Provide appropriate options for bank products and services to customer
• Refer customers' financial needs to other bankers and partners as needed
• This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below
Required Qualifications:
• 6+ months of interacting with customers experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
• Customer service focus with experience handling complex transactions across multiple systems
• Experience proactively engaging with customers through outreach via phone or email
• Ability to educate and connect customer to technology and share the value of mobile banking options
• Ability to help customers succeed financially by offering introductions to additional team members as appropriate
• Experience working with others on a team to meet customer needs
• Experience fostering and developing strong customer relationships
• Ability to build strong relationships with internal partners
• Ability to follow policies, procedures, and regulations
• Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
• Ability to interact with integrity and professionalism with customers and team members
• Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
• Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting
• Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues
• Support customers and employees in resolving or escalating concerns or complaints
Job Expectations:
• Ability to work a schedule that may include most Saturdays
• Maintains cash drawer, cash handling and balancing and spends time completing service-related tasks as needed
• This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (http://fedregistry.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary
• This position is not eligible for Visa sponsorship
Posting Location(s):
• 40+82 Fremont Blvd. Fremont, CA +4587
• 51+1 Mowry Ave. Fremont, CA +4538
• 34+88 Newark Blvd., Newark, CA +4560
• 3+265 Paseo Padre Pkwy., Fremont, CA +4538
• 4402+ Osgood Rd., Fremont, CA +453+
• 30+15 Courthouse Drive, Union City, CA +4587
• 34356 Alvarado Niles Rd., Union City, CA +4587
• 18++ Marina Blvd. San Leandro, CA +4577
• 12+8 E. 14th Street San Leandro, CA +4577
• 16000 Hesperian Blvd. San Lorenzo, CA +4580
• +50 Southland Drive Hayward, CA +4541
• 1172 A Street, Hayward, CA +4541
Positions may not be available at all branch locations outlined in the posting
Pay Ranges
• San Leandro, California- Pay Range: $22.00 - $ 30.1+ Hourly
• San Lorenzo, California- Pay Range: $22.00 - $ 30.1+ Hourly
• Hayward, California- Pay Range: $22.00 - $ 30.1+ Hourly
• Fremont, California- Pay Range: $22.00 - $ 30.1+ Hourly
• Newark, California- Pay Range: $22.00 - $ 30.1+ Hourly
• Union City, California- Pay Range: $22.00 - $ 30.1+ Hourly
• Positions may not be available at all branch locations outlined in the posting.
• Position requires full-time training for 8-10 weeks. Training schedule is as follows: Monday - Friday - 8:30am - 5:30pm.
• Job posting may come down early due to volume of applicants.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$22.00 - $30.1+
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement
Posting End Date:
6 Apr 2025
• Job posting may come down early due to volume of applicants.
We Value Diversity
At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, ****** orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, ****** orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Applicants With Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and ******* Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and ******* Policy to learn more.
Wells Fargo Recruitment And Hiring Requirements
• Third-Party recordings are prohibited unless authorized by Wells Fargo.
• Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
Reference Number
R-446472-11
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City National Bank
Credit Officer Lead Corporate Banking
City National Bank • Walnut Creek, CA, United States • via LinkedIn
15 hours ago
Full–time
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Job highlights
Identified by Google from the original job post
Qualifications
Bachelor's Degree or equivalent
Minimum 10 years’ experience in underwriting medium to large sized and moderately-complex commercial credit required
Minimum 10 years of experience in a banking or financial services environment required
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Benefits
Starting base salary: $127,626 - $237,014 per year
Exact compensation may vary based on skills, experience, and location
This job is eligible for bonus and/or commissions
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Responsibilities
Participates in the loan management process by providing credit and loan underwriting expertise
Is client facing and manages all aspects of credit relationships for clients
Provides credit product expertise in an advisory capacity and ensures all due diligence and background evaluation is complete and thorough before credit approval is granted
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Job description
CREDIT OFFICER LEAD CORPORATE BANKING - Food and Beverage
WHAT IS THE OPPORTUNITY?
Participates in the loan management process by providing credit and loan underwriting expertise. Is client facing and manages all aspects of credit relationships for clients. Provides credit product expertise in an advisory capacity and ensures all due diligence and background evaluation is complete and thorough before credit approval is granted. Provides workflow oversight and delegates team assignments.
What you will do Transactional
• Underwrite new transactions with commitments typically $25-100 million to private and public borrowers across the sponsor and direct channels. Target clients typically have >$10 million of EBITDA and $100 million-$2 billion of revenue.
• Lead the wing-to-wing underwriting process including proposal letter preparation, due diligence, dynamic 3-statement financial modeling, credit memorandum preparation, compliance, definitive loan documentation, loan closing, etc.
• Run Lead Left and JLA transactions, and possess expertise in managing through an underwriter of a syndicated loan, on a blind participation and direct basis.
• Structure revolvers, term loans, delayed draw terms loans, and CAPEX lines across multiple product lines including asset-based, asset-backed, unitranche, cash flow, and unsecured.
• Manage through multiple transaction types including LBOs, MBOs, refinances, growth capital, recapitalizations, add-on acquisitions, etc.
• Negotiate and review credit agreements, guaranty and security agreements, intercreditor agreements, subordination agreements, amendments, consents, waivers, forbearance agreements, etc.
• Manage a portfolio of borrowers across multiple food and beverage subsectors with various structures, roles, commitments and risk ratings.
• Perform monthly/quarterly and annual reviews of client’s condition including monitoring financial performance, risk rating, capacity to repay, covenants, etc.
• Evaluate credit requests to assess creditworthiness, prepare the corresponding approval memorandum, and document the waiver/consent/amendment, as applicable.
• Provide balanced and appropriate credit guidance to Relationship Managers, Group Head and Credit Manager.
• Respond to inquiries from internal and external constituents (e.g. clients, auditors, field examiners, appraisers, counsel, etc.) concerning credit policies, procedures, structuring, etc. before it is elevated, if necessary, to the Credit Manager.
• Have primary role in early problem loan identification and the timely and accurate changes to risk ratings.
• Attend client meetings, as necessary, to facilitate delivery of the credit product and/or or assist in problem resolution.
• Maintain up-to-date knowledge on all Bank lending policies and regulations. Confer with the Credit Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations. Act in accordance with Bank’s credit culture and strategies.
Managerial
• Manage workflow and priorities in conjunction with the Credit Manager. Determine and assign work assignments to team of Credit Officers and Credit Analysts based on experience, availability, and portfolio complexity and size.
• Provide technical guidance to and review the work of less experienced Credit Officers and Credit Analysts. Guide and assist Credit Officers and Credit Analysts in research, credit structuring, financial analysis, financial modeling, loan documentation, etc. for complex accounts.
• Monitor performance, provide on-going performance feedback and participate in conducting effective performance appraisals. Train, coach, counsel and provide general direction and guidance to staff, including identifying development needs and providing educational/training opportunities.
Must-Have*
• Bachelor's Degree or equivalent
• Minimum 10 years’ experience in underwriting medium to large sized and moderately-complex commercial credit required.
• Minimum 10 years of experience in a banking or financial services environment required.
• Completion of credit training program is required.
Skills And Knowledge
• College degree in Finance, Economics, Business Administration or a related field.
• Experience in underwriting medium to large sized and moderately-complex corporate credit which includes analyzing, interpreting, and evaluating financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.
• Supervisory experience preferred.
• Highly knowledgeable in corporate credit policies and procedures.
• Strong credit analysis and accounting skills with the ability to communicate skillfully and effectively in both verbal/written forms.
• Good organizational skills.
• Ability to assume responsibility and accountability for decision making. Ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts.
Compensation
Starting base salary: $127,626 - $237,014 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
• To be considered for this position you must meet at least these basic qualifications The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks.
About City National
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $+2.03 billion in assets as of April 30, 2024. Founded in 1+54, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $+6.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
• City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit cnb.com.
EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, ****** orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. READ MORE
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via email or leave a message at (213) 673-+13+. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
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