Small Business/Consumer Credit Officer II Job Listing at City National Bank in Los Angeles, CA (Job ID 10711)

Description

SMALL BUSINESS/CONSUMER CREDIT OFFICER II WHAT IS THE OPPORTUNITY? This position is responsible for the end-to-end credit and compliance management process for Private Banking on retail credit products and services (i.e. Credit Cards, Credit Lines, Loans, etc.) for both consumer and small business clients. As the primary liaison between the Private Bankers and CNB's City Loan Center, ensures fast turnaround from time of new credit requests and renewals to booking and developing relationships with colleagues. What you will do

• Prepares the override recommendation credit decisions for commercial and consumer credit requests, as needed.
• Reports and monitors assigned portfolios using established performance measurement and monitoring tools.
• Reviews loan applications and financial packages for completion, addresses credit or regulatory issues, etc.
• Ensures credit originations, approvals, documentation, booking and fee collection are completed in an efficient and timely manner.
• Maintains quality through proactive monitoring and reporting on renewals, credit exceptions, past due documents and past due payments.
• Keeps current and knows the business, including products, policies, guidelines, procedures, and applicable regulatory compliance.
• Executes new processes, procedures and policy changes relating to portfolio management and support.
• Identifies and elevates opportunities for process improvements to facilitate fast and accurate response to colleagues.
• Monitors, reviews, and maintains REACT. Prepares reports and notifies Loan Administration Manager, Credit Manager, Private Banker or Underwriter when past due/coming due documentation obligations from clients is required. Ensures that all verification and reporting controls are in place to safeguard against regulatory violations.
• Reviews documentation in accordance with Bank policies and procedures and to facilitate closings with Private Client Advisor.
• May be assigned projects from time-to-time.
• Builds a strong and effective working relationship with Private Bankers and other bank credit partners. Acts as a single point of contact by establishing open lines of communication to facilitate an appropriate solution to the issues at hand, keeping escalation to a minimum.
• Maintains a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures.

Must-Have*

• H.S. Diploma
• Minimum 3 years client service experience required
• Minimum 3 years small business or consumer loan experience required

Skills and Knowledge

• Bachelor's Degree in Business, Finance, Accounting or Economics preferred
• General understanding of financial accounting and commercial lending principles
• Minimum of 1 year of client service experience
• Broad based banking experience to include commercial and consumer loan servicing and support
• Strong organizational and problem solving skills
• Excellent verbal and written communication skills necessary to clearly and precisely provide colleagues with information, data, advice and instruction, as well as respond to inquiries and manage difficult situations
• Proficiency in Excel, Word, Outlook, OnePoint REACT, and AFS are preferred

Compensation Starting base salary: $31.39 - $50.14 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*To be considered for this position you must meet at least these basic qualifications
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Benefits and Perks At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks. ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

*City National Bank does business in Miami and the state of Florida as CN Bank.

For more information about City National, visit cnb.com. EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. READ MORE

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via email or leave a message at (213) 673-9139. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.

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