Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

ESSENTIAL FUNCTIONS: Fundamental Duties

1. Coordinates ongoing updates to the bank’s credit policies and procedures as approved by senior management, including issuance of Credit Policy Bulletins. Maintains the Credit Policy Manual, Standard Procedures Manuals, and the Hub Operating Procedures Manual. Responsible for Credit Services Dept. publishing pertaining to the above manuals.
2. Provides technical and administrative support to the Credit Administration Department (CAD) in various areas, including due diligence on potential acquisitions and regulatory issues. Participates in special projects as assigned. Prepares requested management reports as assigned. Acts as secretary of the Credit Review Committee.
3. Acts as primary bank contact for various vendor relationships including appraisers, environmental inspectors, approved inspectors, credit bureau agencies, flood & tax service providers, etc.
4. Responsible for Credit Services Department training program for Hub Automation, Financial Statement Analysis Programs and publishing programs.

Marginal Functions: (Additional duties which could be performed by others)

1. Performs additional job-related duties as assigned.

The Credit Services Policy & Procedures Coordinator position also requires a broad understanding of FEMA’s Insurance regulations in order to provide secondary review support and validation of the Loan Services Department’s insurance personnel assigned to track flood insurance for regulatory compliance.

Lending experience within branch or corporate credit functions where incumbent has gained understanding of commercial and commercial real estate principles, practices and procedures, banking regulations, loan documentation and credit analysis to develop and implement automated credit procedures and forms. Incumbent must also possess the analytical and PC skills needed to report on the credit exposures coinciding with various lending concentrations in the Bank’s loan portfolio. An undergraduate business degree with a financial emphasis is highly desirable. Excellent written communication, analytical, organizational, interpersonal and presentation skills are required.

PHYSICAL DEMANDS:

• Position requires long hours of sitting at a computer and/or desk due to the various analytical and written communication tasks.

MENTAL DEMANDS:

• Develop and maintain a current level of knowledge in all major areas of credit policies and procedures. Interpret and apply complex government regulations.
• Apply analytical skills to identify trends, concentrations of lending product types, and potential risk exposures within the various loan portfolios.

EQUIPMENT USED TO PERFORM FUNCTIONS:

• PC, fax, copier, calculator

DECISION MAKING

• Determine format for various reports in order to ensure Board of Directors and Senior Management understand the company’s credit exposure.
• Prioritize various requests for departmental services to ensure all customers receive requested information in a timely manner.
• Evaluate and recommend to senior management ways to enhance credit policies and procedures.

EOE

Westamerica Bank's Privacy Policy may be found at: www.westamerica.com/about/privacy