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Principal Senior Credit Officer (SCO) - Healthcare Job Details

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Employer:  Bank of the West
Job Ref No:  029644
Job Title:  Principal Senior Credit Officer (SCO) - Healthcare
Sector:  Asset Management
Risk Type:  Regulatory/Compliance
What sets Bank of the West apart from other banks is our team members - they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values-straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity - an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines - Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Position Summary

The Healthcare Principal SCO will facilitate and support the bank's objectives to increase earning assets while maintaining quality standards. This will be done by approving or declining commercial loans, and by working closely with assigned business units to negotiate and structure highly complex credit arrangements. Bank of the West seeks a proactive, solutions oriented banking professional in this role, somebody who can enable profitable business growth by forging strong relationships with business line leaders. This executive must possess a thorough understanding of the loan origination and underwriting practices, as well as the knowledge of portfolio management practices, including loss forecasting, and non-performing loan loss mitigation techniques.

Key Responsibilities

  • Facilitate healthcare commercial loan originations by working with line officers in structuring and development of loan proposals to meet the customers' or prospects' needs while conforming to bank and regulatory requirements.

  • Directly handle significant, highly complex loans and makes joint calls as needed.

  • Reinforce adherence & contribute to the development of the Bank's underwriting policies and procedures.

  • Implement and reinforce policies and procedures to comply with fundamental business and credit priorities of the bank.

  • Develop and conduct training classes on new or updated procedures.

  • Analyzes pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommend to higher level of authority if appropriate.

  • Interact with internal and external auditors on regulatory issues of quality and on related trends.

  • Assist in identifying potential troubled assets in assigned area.

  • Approve commercial loan risk ratings to ensure maintenance of a quality loan portfolio.

  • Perform reviews of specific portfolio composition and quality as assigned.

  • Interact with line units and service centers, operations, accounting, appraisal, legal and other related bank personnel.

  • Keep informed of competitors' rates and loan programs and recommends appropriate changes to current bank programs and rates.

Required Education or Equivalent Experience

  • Bachelor's Degree in Business, Finance, or Management;
  • Prefer MBA

Required Experience

  • 12 years minimum prior relevant experience

  • Seasoned, hands-on executive with deep experience in the Healthcare credit function within a large bank/financial services institution

  • Excellent understanding of commercial deal structuring, loan origination and servicing processes, portfolio management and loss mitigation activities

  • Strong quantitative, analytical skills and a deep knowledge of healthcare credit/ risk management.

  • Demonstrated ability to develop policies and procedures to manage the healthcare credit risk attributes of a portfolio.

  • Strong knowledge and understanding of loss mitigation activities and loan origination and servicing processes.

  • Proven ability to develop strategies and execute against a clearly defined tactical plan.

  • Strong leader and manager with the ability to attract, develop, and retain highly skilled employees.

  • High energy, collaborative business partner with the ability to work and navigate across organizational boundaries and develop relationships at all levels of the organization including internal (other members of senior management team) and external constituencies (i.e. rating agencies, regulators, outside auditors, etc.).

  • Change agent with ability to develop excellent business practices and focus on continuous improvement.

  • Effective communication and interpersonal skills - ability to listen, understand complex issues and clearly articulate both "big picture" and critical details.

Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran. Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
Region/Country:  Americas, United States
States/Counties:  California
City:  Newport Beach

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