Credit Officer jobs in United States, California, Irvine

As a Client Success Officer within our Commercial Bank Startup Banking, you will leverage your deep treasury product knowledge to develop and execute a localized market and product strategy, serving as a key liaison for Commercial Bank clients. By offering Treasury solutions in conjunction with service, the Client Success Officer plays an important role in the execution of the firm’s retention, growth, and client experience strategies, including accountability to deliver on broader organizational service and revenue expansion. The Client Success Officer will play a vital role in partnering with Commercial Bankers, Implementation Managers, and Know Your Client (KYC) teams to enhance business development efforts, ensuring efficient execution and maintaining a high level of client satisfaction through active engagement.

Job Responsibilities

• Provides primary servicing support and treasury management solutions for a portfolio of Startup Banking clients
• Collaborate with bankers and clients at senior and strategic levels to proactively provide integrated treasury solutions within a consultative and client driven framework
• Responsible for fostering and expanding long-term relationships with clients by effectively managing their treasury needs, while ensuring a high level of client satisfaction
• Coordinate with the banking team to participate in positioning solutions for prospect clients to show the value add of the service model
• Help the coordination and project management of product implementations and service related needs
• Maintain ongoing relationship management routines
• Manage/resolve client escalations and issues
• Identify additional banking needs for clients by partnering with Commercial Bankers on cross sell opportunities
• Review sales, service and client onboarding processes and recommend process enhancements to leadership
• Coordinate with the Banker and operational partners, such as Client Data Management Team, & KYC, to assist with the onboarding of new to bank clients and to assist with periodic client renewals
• Partner with Banking and Sales on growth opportunities by contributing to strategic client relationship reviews and long-term planning
• Assist in development of relationship review documents and create actionable objectives for relationship review meetings with clients
• Work with Risk partners for certain elements of risk management including fraud prevention.
• Operational and functional knowledge of suite of treasury and cash management products offered to Startup Banking clients

Required qualifications, skills and capabilities

• Bachelor’s degree and/or 5+ years of equivalent prior work experience in Business Operations / Client Services / Sales Support
• 7+ years of comprehensive knowledge of Treasury Products and Services
• Proven client interaction skills to calibrate & manage client expectations
• Ability to develop strong working relationships with clients, colleagues, external centers of influence (COI), and external consulting organization
• Strong time management, organizational and planning skills
• Proven proficiency in managing client problem resolution and delivering solutions; ability to mobilize internal resources to move quickly to resolve issues
• Ability to motivate cross-functional teams and interact with all levels of the organization including senior management, sales, IT, operations and product management, banking, implementation, service, KYC, liquidity, merchant, card, credit, legal, compliance, etc.
• Working knowledge of Microsoft Office suite of products such as Project, Power-point and Excel
• Demonstrated team building skills and ability to work in a team environment along with experience in managing conflict and adapting to change
• Comfort in using technology such as WebEx, Zoom and other collaboration tools for enhanced client discussions

Preferred qualifications, skills and capabilities

• Certified Treasury Professional designation
• PMP or other Project Management Certifications
• Strong creative solution and problem-solving abilities

Joining our diverse and innovative global organization will provide you with endless opportunities for career and personal growth.

• Become a part of our many Business Resource Groups, employees who come together on topics such as ethnicity, gender, age, accessibility, special interests and more
• Help the community through expansive volunteer opportunities
• Join one of our focus groups aimed at Innovation and Transformation, creating the future experience for our clients and employees

Final Job Grade and officer title will be determined at time of offer and may differ from this posting.

Some travel required (20%) to visit clients and internal partners.

As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities:

• Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
• Evaluate and manage risks in complex transactions.
• Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
• Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
• Apply data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required Qualifications, Capabilities, and Skills:

• Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts.
• Thorough understanding of multifamily real estate property valuations and cash flow analysis.
• Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
• Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
• Excellent verbal/written communication and problem-solving skills.
• Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Preferred Qualifications, Capabilities, and Skills:

• Bachelor's degree in accounting, finance, economics, or real estate is preferred.
• Experience as a loan underwriter in commercial real estate lending is highly desirable.
• Familiarity with regional markets and municipal regulations.
• Advanced degree in a related field.
• Experience with proprietary credit risk management tools.

As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities:

• Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
• Evaluate and manage risks in complex transactions.
• Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
• Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
• Apply data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required Qualifications, Capabilities, and Skills:

• Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts.
• Thorough understanding of multifamily real estate property valuations and cash flow analysis.
• Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
• Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
• Excellent verbal/written communication and problem-solving skills.
• Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Preferred Qualifications, Capabilities, and Skills:

• Bachelor's degree in accounting, finance, economics, or real estate is preferred.
• Experience as a loan underwriter in commercial real estate lending is highly desirable.
• Familiarity with regional markets and municipal regulations.
• Advanced degree in a related field.
• Experience with proprietary credit risk management tools.

What you’ll achieve

This role will report to the Director of Government Security within the Governance, Risk & Compliance organization.

You will:

• Responsible for supporting and administering security aspects for Department of Defence and civilian agency customers to include the lifecycle of security clearances.

• Serve as primary support and liaison between the Customer and Business for security matters.

• Administer security programs and procedures for classified, CUI, or proprietary materials, documents, and equipment.

• Familiar with classification management process and classification guides associated with DoD/Intelligence information; Working knowledge of government databases: NISS, e-QIP, and DISS. Experience with SIMS is a plus.

• Experience writing security volumes for proposals, DD254s, and other contract mechanisms.

Essential Requirements

• U.S. Citizenship with current, active SCI clearance is required.

• In-depth knowledge of COMSEC, NISPOM, Executive Orders, and DoD Directives. Knowledge of secure supply chain principles (CMMC, NIST 800-171) is a plus.

• Demonstrate excellent judgment and decision-making skills. Ability to analyse problems and identify solutions.

• Strong oral and written communication skills. Ability to develop and render concise reports, summaries and formal presentations.

Desirable Requirements

• Minimum of 5 years work experience, with a Bachelor’s degree. Will consider additional work experience in lieu of a degree.

• Ability to handle daily activities with little oversight or direction.

Join our dynamic Commercial Banking Client On-boarding (CBCO) Know Your Customer (KYC) Organization, where we lead the charge in supporting client coverage by fulfilling essential Anti-Money Laundering (AML) and KYC requirements.

As a Wholesale Know Your Customer Relationship Officer (KRO) within the AML/KYC Operations team, you will collaborate closely with Bankers to ensure all client KYC records adhere to stringent regulatory standards. In this pivotal role, you will be responsible for delivering high-quality and timely completion of due diligence requirements at both the inception and renewal of client relationships, joining a team dedicated to excellence and compliance in every client interaction.

Job Responsibilities:

• Consultatively manage client and partner expectations and understanding.
• Take ownership of the KYC/AML and client experience.
• Ensure KYC/AML deliverables are met, holding internal partners accountable.
• Maintain a thorough understanding of KYC/AML processes, addressing delays and inefficiencies.
• Effectively manage operational risk by maintaining diligent awareness of process risks.
• Escalate risk items appropriately and drive issues to resolution.
• Support bankers in the client selection process to effectively manage client risk.
• Independently oversee the renewal cycle of Due Diligence Forms in partnership with Relationship Management.
• Be accountable for timely portfolio management while upholding quality standards.
  

Required qualifications, capabilities and skills:

• BA/BS degree or equivalent work experience in financial services.
• Ability to properly identify AML risks and apply the AML/KYC policy concepts.
• Strong verbal and written communication skills.
• Excellent time management and organizational skills.
• Strong analytical and problem-solving skills.
• Willingness to travel as needed (less than 25%) to support various client coverage teams.

Preferred qualifications, capabilities and skills:

• Working knowledge of risk factors that may impact specific products and industries.
• Ability to multi-task effectively and leverage internal resources.
• Excellent attention to detail.
• Strong client focus and ability to partner with various internal groups.
• Independent, self-motivated with an ability to adapt and be flexible in a team environment.
• Previous credit training or underwriting experience.
• Ability to navigate client relationships and product usage.

As an Operations Research Analyst within the WFP Data Science team, you will tackle complex and high-impact projects. You will assess unstructured problems, develop practical strategies, and propose solutions to enhance decision-making processes. Collaborate with management to prioritize, time, and deliver next-gen operations research solutions.

Job Responsibilities:

• Design and development of optimization models and simulation models.
• Support OR projects individually or part of a project team.
• Collaborate with stakeholders to understand the business requirements and clearly define the objectives of any solution.
• Identify and select the correct method to solve the problem while staying up to data on the latest OR methodologies.
• Ensure the robustness of any mathematical solution.
• Develop and communicate recommendations and OR solutions in easy-to-understand-way leveraging data to tell a story.
• Lead and persuade others while positively influencing the outcome of team efforts and help frame a business problem into a technical problem resulting in a feasible solution.

Required qualifications, capabilities and skills:

• Master’s Degree with 4+ years or Doctorate (PhD) with 2+ years of experience in Operations Research, Industrial Engineering, Systems Engineering, Financial Engineering, Management Science, and related disciplines operating as an operations research professional.
• Experience supporting OR projects with multiple team members.
• Hands-on experience developing simulation models, optimization models and/or heuristics.
• Deep understanding of math and theory behind Operations Research techniques
• Proficient in Open Source Software(OSS) programming languages like Python, R or Scala.
• Experience with commercial solvers likeGUROBI, CPLEX, XPRESS, or MOSEK & familiarity with basic data table operations (SQL, Hive, etc.).
• Demonstrated relationship building skills, with a superior ability to make things happen through the use of positive influence.

Preferred qualifications, capabilities and skills:

• Advanced expertise with Operations Research techniques.
• Prior experience building Reinforcement Learning Models.
• Extensive knowledge of Stochastic Modelling.
• Previous experience leading highly complex cross-functional technical projects with multiple stakeholders.

As a lead Credit Officer - Vice President in the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loans. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

• Oversee all aspects of credit analysis on commercial real estate/multifamily loans
• Evaluate and manage risks in complex transactions
• Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing and legal
• Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements
• Apply data analysis techniques to interpret results and provide insights and recommendations to management
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools
• Keep up with industry trends and best practices in credit risk management to enhance decision- making and maintain a competitive edge

• Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts
• Thorough understanding of multifamily real estate property valuations and cash flow analysis
• Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
• Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining high level of attention to detail
• Excellent verbal/written communication and problem-solving skills
• Ability to prioritize, plan and manage people and processes to complete credit analysis and other assignments as needed
• Familiarity with regional markets and municipal regulations
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Preferred qualifications, capabilities, and skills

Bachelor's degree in accounting, finance, economics, or real estate is preferred