Salary Range: $76,400.00 - $122,100.00 (Depending on knowledge, skills, abilities and location. Certain level jobs may be eligible for bonus, commission, and/or equity awards.) Posting Date: February 28, 2024 This job will be open and accepting applications for a minimum of three days from the date it was posted. Benefits worth writing home about: Medical, dental, and vision coverage for employees and their families Life, disability and family Leave 401(k) and Roth 401(k) with employer match Wellness program, employee assistance program, "Commute Trip Reduction" (CTR) and various employee discounts Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service work Free employee checking account and employee home loan discounts EO/AA Employer including Vets and Disabled. Qualified applicants with arrest and conviction records will be considered in accordance with legal requirements. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our . Job Description Summary: This position is responsible for evaluating the Bank's commercial lending, commercial real estate and residential construction loan portfolios. As well as loan administration for each of lending unit from a risk management perspective. With a specific emphasis on assessing the accuracy of risk ratings within the portfolio, adherence to underwriting and credit policy standards, and portfolio administration and monitoring requirements. Job Details: PRIMARY FUNCTIONS: Loan Review Process Responsible for assisting in the completion of loan reviews of the commercial lending, residential construction and/or commercial real estate lending units. This includes: assisting in the file review process, completing line sheets, identifying key credit risks in loans reviewed. Understand the Review Scope outlined in the Loan Review Plan, and participates in meetings with department personnel to review and discuss the Scope. Understands Bank's credit policies and procedures and has knowledge of current relevant regulatory guidance and industry best practices. Communicate key findings during the loan review process to the examiner(s). Assists tracking responses to Loan Review recommendations and reporting of outstanding issues to the Bank Loan and Board Credit Committees. Analyze Credit Risk Evaluates loans included in the sample to ensure they meet credit and underwriting standards. Confirms that loans are properly structured: appropriate covenants, adequate controls, loan terms and maturity, payment frequency, and policy exceptions. Evaluates borrowers to determine repayment capacity under contractual terms. This includes analyzing complex financial statements, property cash-flows, budgets and projections, and relevant market sales trends. Analyze relevant industry standards and borrower's performance relative to their peers, using tools such as the SBA statement studies comparisons. Performs as needed more in-depth industry assessments utilizing internal and external resources. Assess the accuracy and timeliness of risk ratings assigned by underwriters, lending officers, management and loan approvers. Includes identification of interrelated credit risk components (layered risk). Confirms the accuracy of accrual status and/or ASC 310-10-35 (formally FAS 114) analysis. Evaluate Portfolio Oversight Review loan monitoring and covenant calculations to ensure portfolio loans are managed according the terms of the loan. Ensures loans are documented per the terms of approval and that d