Relationship Vice President/Manager Relationship Vice President/Manager …

Capitalsource
in Ventura, CA, United States
Permanent, Full time
Be the first to apply
Competitive
Capitalsource
in Ventura, CA, United States
Permanent, Full time
Be the first to apply
Competitive
Relationship Vice President/Manager
VP, Relationship Manager - (Ventura, CA)

Ventura, CA, USA

Lending

JOB DESCRIPTION:

This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. 

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, Moodys)

  • 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

#LI-DNP

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