Private Mortgage Banker; Northern CA

Responsibilities

• Identifies cross‑selling opportunities to increase client penetration for banking, investments and deposits.
• Prepares new business proposals or presentations to clients/prospects.
• Participates in activities for client meetings and account opening documentation.
• Assists with the development of client communications as required.
• Identifies and recommends workflow process alternatives that can lead to improved efficiency and service levels.
• Ensures timely resolution of all client questions and concerns, both internal and external.
• Performs client sales & service support activities as required to meet client needs and maintain overall service standards.
• Determines client needs and ensures timely and accurate completion of transaction processing.
• Provides after sales support and handles exceptions tactfully, accurately and efficiently in accordance with Bank policy.
• Maintains detailed knowledge and understanding of the integrated private banking services and offerings and lending procedures.
• Collaborates with internal and external stakeholders in order to deliver on business objectives.
• Monitors and tracks performance, and addresses any issues.
• Designs and produces regular and ad‑hoc reports, and dashboards.
• Analyzes data and information to provide insights and recommendations.
• Executes set‑up, maintenance, and advancement of lending products and related account administration as per guidelines.
• Verifies and processes loan drawdowns, ensuring they are within the terms of the credit authorization and completion of required security documentation.
• Reviews and actions overdrafts and other monitoring reports in a timely manner.
• Sets up and completes margin / covenant tests within established time frames.
• Maintains control of security collateral including preparation and registration.
• Identifies, diarizes, and monitors accounts for security renewals, registrations, and other expiry dates to meet compliance requirements.
• Monitors and controls the integrity of lending documentation.
• Collects fees applicable to credit terms and conditions or account agreement.
• Provides timely, accurate service and support to bankers and specialists by completing a wide variety of credit, non‑credit, and related activities.
• Identifies, records and advises banker / relationship manager of any credit &/or risk management issues.
• Identifies opportunities to increase profitability, create capacity and reduce expenses.
• Ensure timely and accurate set‑up, maintenance and advance of lending products.
• May focus on either after sales service, or compliance (risk management) and fulfillment services, or both.
• Mitigates identified risks and makes credit recommendations/decisions in accordance with sound credit‑granting principles and compliance with the Bank's philosophy and principles outlined in corporate risk policy and supporting policies and procedures.
• Identifies and escalates irregularities and discrepancies to management as per guidelines.
• Participates in assigned audits and compliance reviews.
• Ensures proper adherence to the code of conduct and ethical guidelines.
• Follows security and safeguarding procedures and applies appropriate due diligence for the prevention of loss due to fraud, counterfeiting, money laundering or defalcation in accordance with Bank policy.
• Protects the Bank's assets by adhering to all banking, investment and lending regulations, policies, and procedures, legal and ethical requirements, process requirements, bank guidelines, and established risk guidelines.
• Focus may be on a business/group.
• Thinks creatively and proposes new solutions.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works mostly independently.
• Broader work or accountabilities may be assigned as needed.

• Typically between 3 – 5 years of relevant experience and post‑secondary degree in related field of study or an equivalent combination of education and experience.
• In‑depth knowledge of personal (primarily) and commercial credit and non‑credit products and services.
• In‑depth knowledge of lending processes and supporting policies.
• In‑depth knowledge of loan documentation.
• If a Credit Qualifiable job, Credit…