Loan Officer II Job Los Angeles area,California USA,Finance & Banking

Keep abreast of industry changes, local economic, financial and legislative events which may have an impact on commercial lending activities.
Analyze cash flow, liquidity, profitability, leverage and other financial ratios and be able to come to various conclusions, including evaluation of collateral and other relevant credit information.
Prepare loan presentations that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of borrower’s surrounding credits.
Recommend or deny loan requests in conformance with banking regulations and Bank’s loan policies and procedures.
Gather documents to perfect the security interest in collateral, if applicable.
Detect early warning signs of problem loans and immediate notification to a supervisor, Chief Credit Administrator, Loan Review, or Loan Servicing.
Monitor loan covenants and conditions per loan agreement and report any violation to manager.
Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.
Analyze collateral values and insurance coverage.
Collect loan accounts and overdraft information.
Submit reports of calls made and document customer contact.
Meet customers regularly and seek opportunities to grow relationship.
Conduct site visits and on-site interviews under the supervision of a portfolio manager.
Comply with regulatory requirements including but not limited to:
Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.
Comply with the Bank’s security program, including but not limited to:
Review and comply with the End-User Computing Agreement.
Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.
Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.
Occasional local travel is required, as may participate in client meetings with Relationship Managers.
Participate in community organizations and/or events to help the Bank meet its CRA Objectives.
All other reasonable duties as assigned.

Keep abreast of industry changes, local economic, financial and legislative events which may have an impact on commercial lending activities.
Analyze cash flow, liquidity, profitability, leverage and other financial ratios and be able to come to various conclusions, including evaluation of collateral and other relevant credit information.
Prepare loan presentations that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of borrower’s surrounding credits.
Recommend or deny loan requests in conformance with banking regulations and Bank’s loan policies and procedures.
Gather documents to perfect the security interest in collateral, if applicable.
Detect early warning signs of problem loans and immediate notification to a supervisor, Chief Credit Administrator, Loan Review, or Loan Servicing.
Monitor loan covenants and conditions per loan agreement and report any violation to manager.
Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.
Analyze collateral values and insurance coverage.
Collect loan accounts and overdraft information.
Submit reports of calls made and document customer contact.
Meet customers regularly and seek opportunities to grow relationship.
Conduct site visits and on-site interviews under the supervision of a portfolio manager.
Comply with regulatory requirements including but not limited to:
Reg B, HMDA, Bank…