Financial Analyst - Consumer Lending Underwriter Team Lead

Job DescriptionRabobank N.A. is an award-winning, full-service bank serving California communities grounded in agriculture. With more than $14 billion in assets, Rabobank provides a wide range of financial products and services for individual, business, and food and agribusiness customers. Multi-function ATMs at approximately 100 branches, and online and mobile banking resources empower Californians to bank when, where and how they want. Committed to service, Rabobank s more than 1,500 employees take pride in improving their communities personally and professionally. Rabobank N.A. is a nationally chartered bank, FDIC member and equal opportunity lender. Rabobank, N.A. has an exciting opportunity for a Consumer Lending Underwriting Team Lead located in Arroyo Grande, CA! The Consumer Lending Underwriting Team Lead is responsible for underwriting and risk analysis of credit requests within assigned business line. Performs independent, objective, and detailed financial and collateral analysis of credit requests. In collaboration with relationship manager, responsible for structuring transactions, developing credit recommendations, and loan portfolio monitoring including covenant compliance. Independently classifies loan performance and recommends risk rating. Completes credit applications as assigned. Performs annual reviews as required on all credit relationships. Notes significant trends and recommends policy changes if necessary. Collaborates with stakeholders on credit related matters to ensure expeditious processing and improve client experience. Within designated business lines and according to established policies and procedures, senior levels may be granted lending authority as assigned. Responsibilities will include and are not limited to the following: Conducts detailed, independent financial and collateral analysis on credit requests. Evaluates business plans, projections, operating records, and financial statements. Evaluates all types of collateral in relation to feasibility of transaction, market/industry conditions and loan structure. Supports conclusions based on factual data. Effectively communicates information and analytical results to stakeholders. In collaboration with the relationship manager identify risks/mitigants of loan structure and participates in discussions with credit risk as required. Identifies risks associated with each loan and mitigations to risks. Generates and recommends risk ratings. Interprets and applies Bank policies, governmental regulations, and accounting theory. Prepares reports and analyses in areas such as budgets, forecasts, financial plans, governmental requirements, statistical reports, cash flow projections, and business forecasts. Performs industry research in various market areas to support transaction. Participates on client calls and/or client relationships with relationship managers as assigned. Responsible to work on the most complex credits requiring in-depth evaluation of complex business plans, projections, operating records, and financial statements. Assesses credit risk, and generates and recommends appropriate risk ratings. Performs annual reviews and prepares credit applications on the largest and most complex credits. Works on special projects requiring expert knowledge as required. Capable of leading team efforts, training, and assisting with workflow management as assigned. Acts as team lead and may have direct reports. Carries out supervisory responsibilities in accordance with the Bank's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; managing and appraising performance; coaching and development; addressing complaints and resolving problems. May participate on client calls with relationship manager, within assigned business unit. Successful candidates will possess the following: Undergraduate degree in Business, Accounting, Economics or related field preferred, with 7+ years related accounting or financial statement analysis/lending experience; OR an equivalent combination of education and experience required. Good knowledge and understanding of credit principles and lending, including industrial, commercial, real estate, and/or term loans as applicable. Extensive expertise in detailed financial and collateral analysis of the most multifaceted, sophisticated, and complex credit requests. Previous supervisory experience preferred. Adept at utilizing financial software programs and other databases integral to compiling financial and collateral analysis spreads. Proficient with: MS Word, MS Excel, MS Outlook, and Internet. Adept at utilizing financial software programs and other databases integral to compiling financial and collateral analysis spreads. Must demonstrate excellent customer service skills with ability to communicate tactfully and listen attentively to the customer. Possess good human relations, communications and business writing skills. High level of accuracy and great attention to detail. Strong analytical and problem solving skills. Able to make and support sound decisions. Possess effective time management and organizational skills. Able to cope with pressure resulting from meeting required deadlines and reporting requirements. Demonstrate teamwork in facilitating workflow. High level of cooperation with others and responsive to the Bank s needs. Consistently demonstrate tact, discretion and good judgment. Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information. Able to work effectively without direct supervision. Able to comprehend and interpret Bank policies and procedures. Must be able to travel throughout bank s footprint to perform required duties ( less than 25%). Company DescriptionRabobank, N.A. is a fast-growing California community bank that provides personalized service and a full array of quality products to individuals, businesses, organizations and agricultural clients. With nearly 120 retail branches, we serve the needs of communities from Redding to the Imperial Valley through a regional structure that promotes local decision making and active community involvement by our employees. The bank has more than $14 billion in assets with over 1,800 employees. Rabobank, N.A. is part of the Rabobank Group, which is rated one of the safest banks by Global Finance Magazine. The Rabobank Group is a global financial service provider and the premier lender to the global food and agricultural industry.