Experience Inc. Jobs

ABOUT THE ORGANIZATION

SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals.

The anticipated salary range for this role is between $166,000.00 and $195,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers.

To achieve our mission to be the 'bank of choice' for middle market and professional services companies, we are focused on our vision to be the premier California regional business bank that can provide the sophistication and expertise of a larger institution with the personal 'high touch' services of a smaller bank.

Specialties:

Commercial Loans and Lines of Credit, Asset-Based Financing, SBA Loans, and Specialized Financing, Real Estate Loans, Cash Management Services, International Services

Job Summary

As part of the Franchise Finance lending vertical, the Portfolio Management Team Leader will play a crucial role in the execution of credit facilities for new and existing customers, predominantly in the Quick-Service Restaurant (QSR) space. The Team Leader will manage a team of Underwriters/Portfolio Managers and is expected to review, consult, and provide guidance on loan opportunities.

Responsible for the evaluation, structuring, preparation and review of credit memos for proposed and existing credit facilities within the Franchise Finance vertical, generally in the amount of $5,000,000 to $25,000,000. Position requires an advanced working knowledge of the technical/analytical aspects of commercial loan underwriting including the evaluation of (i) cash flow, income statement and balance sheet financial analysis, collateral quality, enterprise valuation, (ii) financial analysis of and management capacity of individual and corporate guarantors, (iii) market/industry trends & risk, and (iv) knowledge of loan participation/syndications. Assists Relationship Managers and Division Head in developing, recommending, implementing, and monitoring the loan portfolio, and manage risk consistent with the Bank’s underwriting standards. Prior experience in lending within the Franchise Finance space strongly preferred.

Principal Duties and Responsibilities

• Overall responsibility for the oversight and management of the Franchise Finance loan portfolio, as well as the management of the Franchise Finance Portfolio Managers on the team.

• Preparation or review of Pre-Screen reports of prospective borrowers and guarantors.

• Reviews Credit Approval Reports for submission to Credit Administration, including loan summary, credit analysis of applicant, and applicable backup data. Review should add value and ensure underwriting is complete and consistent with credit policies, procedures, and methodologies.

• Deal presentation on loan approval committee meetings when required.

• Prepares other written reports as required as part of the loan relationship management.

• Manages the process, as required, to ensure timely loan closings.

• Manage and maintain loan portfolio oversight to ensure timely modification, extension, renewals, and annual reviews are completed as necessary.

• Develops and maintains good relationships with Division Head, Relationship Managers, Credit Analysts & customers.

• Maintains current knowledge of the Bank’s loan policies and Risk Rating System.

• Provides assistance and training of junior loan officers within the department in coordination with the Head of Underwriting and Division Head.

• Performs duties/special projects, as necessary, and other related duties of which the above are representative.

Position Specifications

Education: BA/MBA in business, accounting, and/or finance, or equivalent experience.

Experience: Thorough knowledge of commercial lending, generally acquired through a minimum of 10+ years related experience. Previous experience managing a team of portfolio managers, underwriters, or credit analysts. Franchise Finance lending experience strongly preferred.

Skills/ Qualifications: Knowledge of technical aspects of commercial loan underwriting; Proficient oral and written communication skills.

EOE STATEMENT

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

CCPA DISCLOSURE

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.