Loan Officer jobs in United States, California, Los Angeles

Job Description:

Job Description:

The Credit Officer II role is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank

• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing

• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures

• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner

• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate

• Participates in Regional and Market meetings to communicate credit delivery best practices and results

Skills:

• Collaboration

• Decision Making

• Loan Structuring

• Underwriting

• Written Communications

• Analytical Thinking

• Attention to Detail

• Credit Documentation Requirements

• Interpret Relevant Laws, Rules, and Regulations

• Mentoring

• Issue Management

• Negotiation

• Oral Communications

• Prioritization

• Risk Management

Required Qualifications:

• 10+ years of solid Commercial Banking experience

• Experience in financial analysis, structuring, underwriting and portfolio management

• Analytical/technical skills, including financial accounting, modeling and loan structuring

• Strong communication skills; ability to communicate vertically, horizontally, and externally

• Industry knowledge across multiple sectors

BA/BS Degree Desired

Job Description:

• The Treasury Sales Officer (TSO) will be responsible for managing and aggressively growing treasury revenue across a portfolio of Large Corporate GIG clients. He or she will partner with Corporate Bankers, Trade, Liquidity, Investment, Foreign Exchange partners and others across the enterprise to develop customized treasury solutions that meet client objectives.

• The TSO will focus on growth of new and underpenetrated client relationships and expansion of existing relationships.

• The TSO will be accountable for revenue growth, profitability, client planning, client calling, portfolio development, pricing strategy, and proposal/presentation development/delivery.

• The TSO will maintain a strong client focus, treasury industry expertise, understanding of the evolving tech, innovation and ESG landscape, client subsector expertise and a broad understanding of bank structure and the operational aspects of global cash management products and services.

• The TSO will possess strong communication and interpersonal skills, the ability to influence, lead and mobilize business partners, and appropriate financial acumen.

• The TSO must also be motivated to maintain a consistent level of goal achievement and be willing to challenge themselves.

Required Qualifications:

• Minimum 3 years of experience

• Applies expertise in global treasury management products, services and trends to effectively identify, evaluate and articulate solutions and concepts

• Displays strong executive presence

• Demonstrates confidence in driving the agendas with Treasurers, Assistant Treasurers and Operations Leaders

• Inclusive and Inspiring: Seeking motivating team players who value collaboration, celebrating shared success and who actively seek and appreciate diverse thoughts and backgrounds

• Authentic and Passionate: Seeking highly engaged teammates whose intensity and intentions align and are enthusiastic about the work we are doing for our clients and in our communities

• Innovative and Curious: Seeking teammates with out-of-the box ideas and solutions, who embrace change with a future-forward mindset, and are looking to challenge the status quo

• Confident and Agile: Seeking strong communicators who value giving and receiving feedback, easily build relationships, and who are quick thinking, flexible, and always learning and sharing knowledge

• Excellent verbal/ written communication and presentation skills

• Proven negotiation and active listening skills

• Proven business development and relationship management skills with a corporate client set.

• Excellent critical/strategic thinking and problem resolution skills

• Broad and deep treasury / cash management industry experience, including gloal product knowledge and industry trends

• Ability to demonstrate creative thinking while adhering to guidelines

• Strong business/financial acumen

• Proven ability to foster strong partnerships within the core team and the ability to build trust and deep, market differentiating relationships with clients

• Strong time management and prioritization skills

• Ability to effectively manages risk while balancing the needs of the client, the team, and the bank

• Able to effectively work as an individual contributor as well as a supportive and collaborative team member, proactively engaging and mobilizing internal partners in a fast paced environment

Desired Qualifications:

• Effectively delegates tasks and leads smalls groups

• Seeks to continuously improve processes and one’s own education

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators

Job Description:

Powered by people. Driven by Technology.

Job Responsibilities:

The Treasury Sales Officer (TSO) is held responsible for managing and actively pursuing treasury revenue streams and product penetration across an assigned portfolio of Business Banking entities with corporate revenue values between 20 million to 50 million. In some cases the TSO will also pursue client prospect opportunities outside of the portfolio. The TSO works closely with several partners such as Client Managers, Treasury Sales Analysts, Credit Officers, FX Trade Advisors, Global Investment Advisors, Card Managers, Trade/SCF Advisors, Liquidity Specialists, and others across the enterprise to provide US and sometimes International treasury solutions that best suits the clients’ needs. This individual will have daily face-to-face or virtual interactions with client contacts independently and/or jointly with the Treasury Sales Analyst.

• The TSO leads pricing and negotiation discussions with the client for TM products to optimize relationship profitability for the portfolio.

• The TSO will be a digital ambassador driving mobile, digital and real time payments adoption, manage and lead strategic dialogues around key client centric issues, leveraging best practices, peer benchmarking, industry data analytics, and solutioning positioning.

• The TSO will actively participate (and sometimes lead) in the Client Management Process (CMP) that focuses on client acquisition and deepening existing relationships through the thoughtful identification of client needs.

• The TSO is accountable for revenue/product growth, client calling initiatives, portfolio development, pricing, RFP or RFI responses, call preparations, and leading client-facing treasury presentations. This individual will also need to identify and evaluate treasury solutions based on a client focused cost/benefit analysis and bank focused profitability analysis.

• Additionally, the TSO will lead all pricing and client negotiation discussions with the client for all treasury products to optimize relationship profitability and YoY revenue growth for the portfolio.

Job Requirements:

• At least 3 years of demonstrated success in direct sales roles in a treasury or cash management capacity

• Strong business/financial acumen to align to core Key Performance Indicators within our clients treasury operations ecosystems

• Demonstrates the ability to foster strong partnerships within the core team and the ability to build sincere rapport with client contacts

• Effectively manages competing priorities in an organized fashion while maintaining a consistent level of client satisfaction

• Broad and deep familiarity with global treasury management products, services and trends

• B.S. or B.A. in finance, accounting, management, or another undergraduate degree or equivalent work experience

Additional Qualifications:

• Intrinsically motivated to continuously improve processes and/or one’s own education

• Exercises the desire to mentor and sponsor other Associates

• Certified Treasury Professional certification or equivalent

• Prior treasury sales/corporate banking experience

Job Responsibilities:

In this hybrid junior sales/treasury analyst role, key responsibilities include actively managing and pursuing treasury revenue streams along with increasing product penetration across an assigned portfolio; partnering closely with client-facing teammates to consult on sales opportunities; as well as providing product expertise to deliver the best possible solution that meets the objectives of the client/prospect.

• Drives responsible revenue and balance sheet growth, profitability improvement, client calling (typically virtual) and planning, portfolio development, pricing strategy, proposal responses, and leading client facing treasury presentations

• Partners with bankers, onboarding, servicing, and product specialists across the enterprise to develop and implement customized treasury solutions by identifying solutions based on client-focused cost/benefit analysis and bank-focused profitability analysis

• In partnership with Private Bank, leads pricing and negotiation discussions with the client for treasury management products to optimize relationship profitability and YoY growth

• Fosters digital adoption by driving mobile, and digital payments adoption and manages strategic dialogues around key client centric issues — leveraging best practices, peer benchmarking, industry data analytics and solutioning positioning

• Collaborates coverage with Treasury Sales Analysts (TSA) and Treasury Sales Officers (TSO) in day-to-day support of client deliverables, with direct end to end coverage responsibilities for less complex and/or mature existing Private Bank relationships to ensure strong client coverage and identify new opportunities

Job Qualifications:

• Minimum 4+ years of Treasury/Cash Management Sales experience

• Excellent communication, presentation, interpersonal and organizational skills

• Authentic and Passionate: Seeking a highly engaged teammate whose intensity and intentions align and are enthusiastic about the work we are doing for our clients and in our communities

• Bachelor’s degree or equivalent work experience

• Intellectually curious and motivated to continuously improve processes

• Sales and client relationship experience

• Working knowledge of treasury management products and services

• Excellent verbal/ written communication and presentation skills

• Proven negotiation and active listening skills

• Excellent critical/strategic thinking and problem resolution skills

• Successfully demonstrates creative thinking while adhering to guidelines

• Strong business/financial acumen

• Effectively manages competing priorities in an organized fashion while maintaining a consistent level of client satisfaction; self-sufficient and takes initiative

• Successfully maneuvers throughout the enterprise

• Proactively engages all internal partners for sales opportunities

• Effectively manages risk while balancing the needs of the client, the team, and the bank

• Able to effectively work as an individual contributor as well as a close team member in a fast- paced environment

• Certified Treasury Professional certification or equivalent and knowledge of Private Bank and ultra high net worth client base a plus