Director - Portfolio Manager - Franchise Finance

SMBC • Newport Beach, CA • 1d ago

ABOUT THE ORGANIZATION

SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals.

The anticipated salary range for this role is between $148,000.00 and $165,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers.

To achieve our mission to be the 'bank of choice' for middle market and professional services companies, we are focused on our vision to be the premier California regional business bank that can provide the sophistication and expertise of a larger institution with the personal 'high touch' services of a smaller bank.

Specialties:

Commercial Loans and Lines of Credit, Asset-Based Financing, SBA Loans, and Specialized Financing, Real Estate Loans, Cash Management Services, International Services

JOB SUMMARY:

Responsible for the evaluation, structuring, and preparation of Credit Authorizations of proposed and existing credit facilities within the Franchise Finance vertical in the amount of $1,000,000 to $25,000,000. Position requires an established working knowledge of the technical/analytical aspects of commercial loan underwriting including the evaluation of (i) cash flow, income statement and balance sheet financial analysis, collateral quality, asset based lending (ii) and financial analysis of and management capacity of individual and corporate guarantors, and (iii) market/industry trends & risk and (iv) knowledge of loan participation/syndications. Assists Relationship Managers as well as related Departments in developing, recommending, implementing, and monitoring the loan portfolio, and manage risk consistent with the Bank's underwriting standards.

PRINCIPAL DUTIES & RESPONSIBILITIES:

reparation of Pre-Screen reports of prospective borrowers and guarantors.

Prepares and completes Credit Approval Reports for submission to Credit Administration, including loan summary, credit analysis of applicant, and applicable backup data.

Prepares other written reports as required as part of the loan relationship management.

Manages the process, as required, to ensure timely loan closings.

Manage and maintain loan portfolio and ensure timely modification, extension, renewal, as necessary.

Develops and maintains good relationships with Relationship Manager, Credit Analyst & Customers.

Maintains current knowledge of the Bank's loan policies and Risk Rating System.

Provides assistance and training of junior loan officers within the department in coordination with the department team leader/Regional Manager.

Performs duties/special projects, as necessary, and other related duties of which the above are representative.

POSITION SPECIFICATIONS:

Education: BA/MBA in business, accounting, and/or finance, or equivalent experience.

Experience: Thorough knowledge of commercial lending, generally acquired through a minimum of 10 years related experience.

Skills/ Qualifications: Knowledge of technical aspects of commercial loan underwriting; Proficient oral and written communication skills. Experience lending in Franchise Finance / QSR is considered a plus.

EOE STATEMENT

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.

CCPA DISCLOSURE

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.

SMBC

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