Busines Banking Officer
Affinity Bank (Orange County, California)

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Affinity Bank is an established financial institution with headquarters in Ventura, California and offices strategically placed within the Western United States.   In addition to our retail banking, we also specialize in wholesale income property loans, construction loans, asset-based lending and business banking products and services.   We continue to experience tremendous growth opportunities through sound business investments and acquisitions.    Because of our growth we are currently seeking a Business Banking officer for our Irvine, CA location.

 

Purpose:

Develops new and maintains existing customer relationships by calling on businesses, professional groups and existing customers, soliciting new deposit and loan business and referrals.  Attends to the needs of customers seeking loans and other lines of credit.  Maintains loan portfolio, builds relationships, ensures customer satisfaction, timely follow up on renewals and delinquencies.

 

Major Job Duties:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required. 

Develop and maintain a quality loan and deposit portfolio. Counsel clients on loan management and beneficial financial strategies.Increase outstanding loans and deposits and generate loan fee income consistent with the annual goals of the Business Banking Division. Negotiate terms and conditions consistent with Bank policy and Asset/Liability guidelines. Analyze and screen loan requests. Prepare and present for approval proper credit analysis on all borrowing requests, recommending loan terms and conditions. Responsible for collecting all loans made and maintaining loan delinquency goals. Ability to maintain and enhance teamwork within the office and bank. Develop and maintain an ongoing prospect list.Cold calling on prospective customers/clients. Comply with Affinity Bank Lending Policy and Procedures. Prepare and present all Loan Reports in a timely manner. Ensure timely and thorough monitoring of all credits through periodic reviews, continued analysis, proper credit quality grading, and proper documentation. Remedy loan deficiencies when appropriate. Maintain current comprehensive knowledge of Bank products and services. Above average oral and written communications skills. Participate in appropriate community activities. Perform any and all other additional duties as may be assigned.

 

Knowledge, Skills, Experience:

Five or more years experience as a commercial lending officer with 10 years or more total banking experience.  A seasoned lender with extensive knowledge.Advanced credit, analytical, and negotiation skills. Advanced sales, relationship management, and business development skills and thorough knowledge of bank products and services. Intermediate proficiency with Microsoft Office products. Excellent verbal and written communication skills. Must be able to read, analyze and interpret procedures and regulations; must be able to write reports, business correspondence, and inter-office communications; must be able to effectively present information and respond to questions from clients, staff and the general public. Excellent customer service skills. Ability to maintain confidentiality of client and bank information. Thorough knowledge of credit administration analysis and credit policy and procedures.Understanding of and ability to articulate business banking strategies.Provides advice and mentoring to less experienced Business Banking Officers.

 

Education:

A Bachelor’s degree in business, finance or related field required; MBA preferred

 

Affinity Bank is an Equal Opportunity Employer M/F/D/V