VP Risk Analytics and Reporting Job in Irvine 92612, California Us

The VP Risk Analytics and Reporting participates as a member of the Risk Management, Business Continuity, Allowance for Loan and Lease Loss (ALLL) and Asset Liability (ALCO) Committees; advises executive management on all loan administration and related issues, and reports to the Board as necessary. The VP Risk Analytics and Reporting, in context with the Bank Risk Management Policy: identify, assess and prioritize risks associated with activities of the Loan Administration Department followed by coordinated and economical application of resources to minimize, monitor and control the probability and/or impact of risks.

 

The VP Risk Analytics and Reporting oversees all aspects of the Credit Administration area, ensuring the Bank's credit policy is in compliance with applicable regulations; identifying credit risk exposure; ensuring adherence to underwriting standards; and verifying loan proposal production meets internal customer expectations.

 

The VP Risk Analytics and Reporting performs credit quality review function on Pacific Trust Bank’s portfolio credit to determine ALLL (Allowance, Loan, Lease, Losses) adequacy. Key areas to review include: quality and accuracy of loan grades, completeness of credit file documentation, compliance with internal loan policies, including approval authorities, adherence to loan agreements including financial and other covenants, and adequacy and perfection of collateral.

ESSENTIAL DUTIES

Manages and directs all areas of the Bank's Loan Administration Department, including Credit Administration and Loan Servicing. Establishes goals and priorities to achieve strategic objectives of the Lending Division.

  •  Interfaces with the Loan Origination Department to identify and resolve all relevant credit, compliance, and delinquency issues.
  • Designs and implements internal controls, policies and procedures to assure compliance with applicable local, state and federal laws and regulations and third party guidelines associated with departmental activities.
  • Manages audits and investigations into regulatory and compliance issues associated with departmental activities; responds to requests for information from regulatory bodies.
  • Formulation of annual plans, planning of specific projects, budgeting and allocation of resources. Assists in the performance of the annual Risk Assessment, as well as individual project specific risk assessment
  • Writes and issues reports on PTB’s projects, prepare monthly reporting, and produce special reports for Internal Audit Management or Finance Accounting Department as needed.
  • Supports the Bank’s philosophy of Building Excellence; promotes the corporate culture through coaching, guidance, and staff motivation.
  • Consistently applies decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development
  • Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff.
  • Assumes responsibility for various job duties in the absence of staff members or in overload situations.


    • REQUIREMENTS

    These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

     

    Advanced experience, knowledge and training in progressively responsible bank administration, management and supervisory activities.

  • Advanced knowledge of lending related regulatory guidelines, and advanced knowledge of credit/lending practices, policies and procedures.
  • Advanced experience, knowledge and training in all operational and lending activities and terminology.
  • Advanced knowledge of related state and federal banking compliance regulations, Bank operational policies and procedures, and the Bank’s products and services.
  • Proven ability to effectively train and instruct others in a formal classroom or one-on-one environment.
  • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
  • Excellent organizational and time management skills, with the ability to provide leadership, supervision and training for 10 or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
  • Advanced skills in computer terminal and personal computer operation; advanced typing skills to meet production needs of the position.
  • Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
  • Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
  • Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with no supervision while performing duties.

    • We offer:

  • Competitive salary + incentives

  • Generous benefits package

    Qualified candidates please submit resume to:
    HR/Compliance Specialist
    P.O. Box 5227, Chula Vista, CA 91912
    hr@pacifictrustbank.com
    Fax 619-422-8653

    EOE