Consumer Lending Manager

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.

Manages the Bank's centralized consumer direct, indirect lending activities and Mortgage Servicing and Loan Documentation processes. Provides secondary support to the Bank's Home Equity Line of Credit lending program EPCL's)

• Continually demonstrating and conveying a strong commitment to compliance and fair lending.
• Ensure Consumer lending area is in compliance will applicable laws and regulations.
• Continuing education by attending all BCG, regulatory and other offered training related to assigned responsibilities.
• Pro-actively engage in a timely manner with risk identification and management, implementation of compliance requirements, remediation of monitoring and examination findings, and related activities.
• Research and assists with preparation of responses to consumer complaints received for areas of responsibility.
• Assists with preparing annual compliance risk assessments and annual fair lending risk assessments. Prepare vendor reviews for dealers and other vendors per the Banks Vendor Management Program.

• Ensure dealer contract purchase program and direct consumer loans programs operate in conformance with regulations and established Bank policies and procedures.
• Evaluate and enhance preventive internal controls to mitigate compliance and fair lending risk.
• Implement changes to policies, procedures, and job aids to ensure prompt updates, completeness and effectiveness.
• Ensure readiness for Compliance regulatory issues or findings in examination. Timely remediate any findings.

• Oversees the training and work performance of the unit's staff. Recommends all appropriate staffing actions for assigned employees.
• Recommends changes to internal operations that will enhance customer service and overall performance.
• Prepares unit's managerial and regulatory reports.

• Participates in special projects and performs other duties as assigned.

Previous work experience as a Consumer Loan Officer/Supervisor where incumbent has gained a working knowledge of accounting principles (including tax return analysis), and consumer loan products. Thorough understanding of consumer regulations and laws including, but not limited to, Regulations B, 0, P and Z and the Fair Credit Reporting Act. Previous supervisory experience desirable. Bachelor's Degree in a business related subject preferred.

High degree of analytical, organization, interpersonal and communications skills.

• Sitting and/or working with computer screens for extensive periods of time.
• Drives to various locations to visit auto dealerships.

• Prioritize multiple goals, projects and deadlines.
• Manages multiple functions to produce timely and quality loan packages.
• Read and interpret regulatory guidelines.

PC, fax machine, telephone, photocopier, 10-key calculator.

• Accept or decline loan requests whose dollar amount falls within incumbents authorized lending limits.
• Recommend changes to current operational activities, which will result in greater efficiencies and reduce current expenses.
• Identify and reward outstanding staff achievement and recommend disciplinary action for those whose work performance and behavior does not comply with procedural or regulatory guidelines.

Directly Supervised: 15 to 20

Supervised by Subordinates: none

EOE