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SVP, Asset Based Lending Manager job

Citizens Business Bank jobs

Company

Company Description

Citizens Business Bank is a bank that provides banking, lending, trust, and investment services for small to medium-sized businesses and individuals. The firm offers commercial lending, equipment & vehicle leasing, online banking, data management, estate planning, term lending, fraud prevention, and wealth management services. Citizens Business Bank operates in two business segments: Business Financial & Commercial banking center and Dairy, livestock & Agribusiness. The bank has been creating long-term banking relationships by focusing on its customers and achieving more for their business, employees, and communities. George A. Borba Sr. founded Citizens Business Bank in 1974, and its headquarter is based in Ontario, Canada. The bank provides competitive salary packages, paid vacations, and other perks to its employees.

Job Description

Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top ranked bank, life at our company includes a working environment that thrives on collaboration, integrity, and mutual respect for one another. We encourage our associates to ask questions, learn, care deeply, and make an impact. Our dedication to customers and associates is at the core of our business culture and is represented by five core values: financial strength, superior people, customer focus, cost-effective operation, and having fun.

SVP, Asset Based Lending Manager

GENERAL PURPOSE OF THE JOB

To administer and manage all requirements of the Bank’s Asset Based Financing,

insure compliance with credit approvals, and provide functional support to the Business Financial Centers. Manage to the goals and performance plan established for the Asset Based Financing Department to protect the Bank against loss.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Responsible for monitoring accounts to insure that reporting and advances against collateral remain within approved formulas and line limits. Approve daily advance request, weekly or monthly collateral reviews, monthly verification of accounts and semi-annual audits.
  • Monitor collateral and financial performance to determine if changes in the customer’s loan requirements or risk profile require adjustments to the loan structure. Provide proactive management of the relationship to meet customer’s needs and avoid losses to the bank.
  • Enhance the underwriting process through review of RCE's for asset based loans and make appropriate recommendations regarding structure and advance.
  • React quickly to deteriorating trends and problem areas including visitations of Borrowers.
  • Insure that all audits are performed and reviewed in a timely manner with appropriate recommendations.
  • Responsible for review of legal documentation and compliance in accordance with approved RCE’s.
  • Report deteriorating collateral positions to senior management. Assist in management of problem loans to prevent losses.
  • Insure that all monthly reports are performed in a timely manner
  • Insure that all collateral reviews are prepared in a timely manner.
  • Insure that all credit commitments are renewed in a timely manner.
  • Provide support to Center Officers and assist them in identifying qualified borrowers for ABL Financing.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Other duties may be assigned.

SUPERVISORY RESPONSIBILITIES

Manages all employees in the Department.  Is responsible for the overall direction, coordination, and evaluation of this unit. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

QUALIFICATIONS

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Bachelor’s degree (B. A.) or equivalent; or four to ten years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

PHYSICAL DEMANDS 

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear.  The associate frequently is required to sit.  The associate is occasionally required to stand; walk; use hands and reach with hands and arms.  The associate must occasionally lift and/or move up to 10 pounds. 

WORK ENVIRONMENT 

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Citizens Business Bank

Type

Company - Public

Size

Medium

Revenue

$100M to $500M

Location

Multiple locations

Industry

Banking/Mortgage

Founded

1974

CEO

Christopher D. Myers

Job Filters

AML System OfficerCitizens Business BankRancho Cucamonga, CA
GENERAL PURPOSE OF THE JOB The AML System Officer reports to the BSA Compliance Manager of the subject of the Bank Secrecy Act and the Office of Foreign Assets Control (OFAC) and the respective requirements pertaining to administering the Bank’s BSA...Read more
Relationship ManagerCitizens Business BankOntario, CA
#1 BANK in the COUNTRY - 3 years running! The ideal candidate will be responsible for gaining a deep understanding of the clients' business objectives and challenges and creating strategic recommendations based off of this understanding. LEAD PORTFOLIO...Read more
Credit AnalystCitizens Business BankOntario, CA
Credit Analyst - Ontario Summary The role of the Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, (i) spreading of financial statements, (ii) tax analysis, (iii) compliance...Read more
Credit AdministratorCitizens Business BankBurbank, CA
Credit Administrator (Burbank/Ontario) ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job. Provide, present and promote The Citizens...Read more
Assistant Vice President - Portfolio OfficerCitizens Business BankBurbank, CA
CITIZENS BUSINESS BANK - The #1 MOST Successful California-Founded Bank in History! Ultra High Net Worth Clientele As a Portfolio Officer you will--- Be responsible for providing administrative and clerical duties to support to officers and customers...Read more

Closed Job Filters

Portfolio ManagerCitizens Business BankChino, CA
Summary Makes and services a wide variety of secured and unsecured loans or lines of credit, most of which involve large amounts of money and important customers. The Portfolio Manager is responsibleRead more
SVP, Asset Based Lending ManagerCitizens Business BankOntario, CA
Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
Merchant Service RepresentativeCitizens Business BankPomona, CA
Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
Service Representative IICitizens Business BankManhattan Beach, CA
SUMMARY Provides prompt, efficient, and friendly service. Responsible for any combination of the following transactions: check cashing; deposits; withdrawals; consumer, real estate, and commercialRead more
Bankcard Operations AssistantCitizens Business BankRancho Cucamonga, CA
Summary The Bankcard Operations Assistant is responsible for providing sales support and pricing analysis to the Centers for existing and prospective merchants, opening and maintaining new accounts,Read more
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