Sr SME Underwriter - BCS Portfolio

Sr SME Underwriter - BCS PortfolioDescriptionAt Bank of the West, our people are having a positive impact on the world. We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.Job Description SummaryResponsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards. Advanced expertise on commercial loansEssential Job FunctionsEvaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results.

Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.

Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.

Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request.

Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.

Other Job DutiesPerforms other duties as assigned.

QualificationsRequired ExperienceRequires deep knowledge of job area typically obtained through advanced education combined with experience.

Typically viewed as a specialist within discipline.

May have broad knowledge of project management.

Requires 7 years minimum prior relevant experience.

EducationBachelor's Degree

SkillsExpert knowledge of information and data processing systems.

Expert in evaluating business and credit reports.

Expert knowledge of Bank of the West Policy and Procedures.

Expert understanding of various regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc.

Meet and/or exceed our Service Level Agreement commitment.

Proficiency in MS Office and other system applications.

Excellent written and verbal communication skills.

Excellent organizational skills.

For Colorado-based roles: The Salary Range is $90,000-$120,000. Actual compensation offer to candidate may vary from posted hiring range based upon geographic location, work experience, education, and/or skill level. The pay ratio between base pay and target incentive (if applicable) will be finalized at offer.To protect the health and safety of our employees and customers, Bank of the West requires all U.S. employees to provide proof of their vaccination status. Employees who are not fully vaccinated must undergo regular testing beginning May, 2022Equal Employment Opportunity PolicyBank of the West is an Equal Oppor tunity 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.#LI-AH1Job: Small / Mid BusinessLocation: United States-Minnesota-General MNOther Locations: United States-Utah-Salt Lake City, United States-Minnesota-Minneapolis, United States-North Dakota-Fargo, United States-Colorado-Denver, United States-ArizonaRequisition ID: 062274