Private Mortgage Banker; Northern CA

Wealth Sales & Service Specialist

Provides a superior level of customer service and portfolio management in lending services for all existing and potential clients and in support of a team of specialists and relationship managers. Provides technical expertise for proactive credit analysis, structuring, decisions, and portfolio monitoring. Applies lending expertise to a lending and deposit portfolio of accounts or part of the lending process (e.g. underwriting, funding, monitoring).

Responsibilities include:

• Identifies cross‑selling opportunities to increase client penetration for banking, investments and deposits.
• Prepares new business proposals or presentations to clients/prospects.
• Participates in activities for client meetings and account opening documentation.
• Assists with the development of client communications as required.
• Identifies and recommends workflow process alternatives that can lead to improved efficiency and service levels.
• Ensures timely resolution of all client questions and concerns, both internal and external.
• Performs client sales & service support activities as required to meet client needs and maintain overall service standards.
• Determines client needs and ensures timely and accurate completion of transaction processing.
• Provides after sales support and handles exceptions tactfully, accurately and efficiently in accordance with Bank policy.
• Maintains detailed knowledge and understanding of the integrated private banking services and offerings and lending procedures.
• Collaborates with internal and external stakeholders in order to deliver on business objectives.
• Monitors and tracks performance, and addresses any issues.
• Designs and produces regular and ad‑hoc reports, and dashboards.
• Analyzes data and information to provide insights and recommendations.
• Executes set‑up, maintenance, and advancement of lending products and related account administration as per guidelines.
• Verifies and processes loan drawdowns, ensuring they are within the terms of the credit authorization and completion of required security documentation.
• Reviews and actions overdrafts and other monitoring reports in a timely manner.
• Sets up and completes margin / covenant tests within established time frames.
• Maintains control of security collateral including preparation and registration.
• Identifies, diarizes, and monitors accounts for security renewals, registrations, and other expiry dates to meet compliance requirements.
• Monitors and controls the integrity of lending documentation.
• Collects fees applicable to credit terms and conditions or account agreement.
• Provides timely, accurate service and support to bankers and specialists by completing a wide variety of credit, non‑credit, and related activities.
• Identifies, records and advises banker / relationship manager of any credit &/or risk management issues
• Identifies opportunities to increase profitability, create capacity and reduce expenses.
• Ensure timely and accurate set‑up, maintenance and advance of lending products.
• May focus on either after sales service, or compliance (risk management) and fulfillment services, or both.
• Mitigates identified risks and makes credit recommendations/decisions in accordance with sound credit‑granting principles and compliance with the Bank's philosophy and principles outlined in corporate risk policy and supporting policies and procedures.
• Identifies and escalates irregularities and discrepancies to management as per guidelines.
• Participates in assigned audits and compliance reviews.
• Ensures proper adherence to the code of conduct and ethical guidelines.
• Follows security and safeguarding procedures and applies appropriate due diligence for the prevention of loss due to fraud, counterfeiting money laundering or defalcation in accordance with Bank policy.
• Protects the Bank's assets by adhering to all banking, investment and lending regulations, policies, and procedures, legal and ethical requirements, process requirements, bank guidelines, and established risk guidelines.
• Focus may be on a business/group.
• Thinks creatively and proposes new solutions.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works mostly…