Credit Products Specialist

Position Title:

Credit Products Specialist I

Location:

Newport Beach, CA 92660

The Credit Products Specialist I supports the underwriting, structuring, and management of commercial credit relationships within an assigned LOB such as, but not limited to, Corporate Banking, Private Banking (including Private Banking Mortgage), Regional Commercial Banking, or Specialized Industries. This role exists to provide critical financial analysis, assist in risk assessment, and ensure sound credit decision-making. As a key partner to sakes, this position helps structure new loan transactions, conduct portfolio monitoring, and identify potential risks.

The role provides foundational credit expertise and exposure to client relationships, supporting the bank’s commitment to responsible lending and portfolio growth.

• Loan Structuring & Underwriting:
  Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within assigned specialized vertical or region.
• Portfolio Management:
  Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Client & Internal Partner
  
  Collaboration:
  
  Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Credit Knowledge Development:
  Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio
• Analyzes and resolves problems pertaining to the assigned portfolio.
• ADDITIONAL ACCOUNTABILITIES Performs special projects, and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.
• Accountable to maintain compliance with applicable federal, state and local laws and regulations.
• Accountable to maintain compliance with applicable federal, state and local laws and regulations.

• Education level preferred:
  Undergraduate Degree (4 years or equivalent) Bachelor’s degree in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience
• Minimum experience required: 3+ Years in credit underwriting, portfolio management, or a related field.
• 3+ Years in credit underwriting, portfolio management, or a related field.
• 3+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
• Strong financial analysis and risk assessment abilities.
• Basic understanding of loan structuring and credit agreements.
• Proficiency in financial modeling and credit decision tools.
• Effective communication and teamwork skills.

• Financial Acumen:
  Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
• Analytical Thinking:
  Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
• Detail Orientation:
  Ensures accuracy in financial analysis, credit packages, and risk assessments.
• Collaboration & Communication:
  Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
• Time Management:
  Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
• Technology Proficiency:
  Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.
• Curiosity & Learning Agility:
  Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.

No unusual physical exertion is involved.

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location,…