SAG Officer
SAG Officer
Posted on :
18-07-2025
Employer Active
1 Vacancy
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Job Description
Summary
With Direction and supervision from Special Assets Department head or Chief Credit Officer Manages the restructure and work out of various loan-types including CRE C&I SBA and other asset types. Prepares or assists in preparation of credit authorizations in accordance with banks policies and procedures for presentations to senior credit personnel and/or credit committees. Prepares thorough analysis of business and/or financial statements and presents facts and is expected to provide analytical opinions as appropriate on the remediation or exit strategy of existing defaulted borrows. Engages with external counsel as needed.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Interacts directly with relationship managers loan officers and customers regarding Restructuring and workout of commercial real estate loans and commercial and industrial loans.
- Proven track record of enhancing risk management and optimized recoveries withing a commercial banking environment.
- Strong communication and management skills.
- Demonstrated ability to work with outside counsel. Experience with foreclosure process.
- Expert knowledge of related bank regulations
- Maintains an assigned/delegated loan portfolio as the primary relationship officer.
- Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns.
- Prepares accurate Credit Authorizations in conjunction with loan officers and presents a complete and thorough analysis of borrowers.
- Interacts independently without direction with clients to request financial information and other relevant documents to complete financial analysis.
- Reviews and enforces loan agreement covenants for verification of the borrowers compliance thereto.
- Accurately prepares financial projections as required.
- Maintains an accurate up-to-date tracking log of all activity and credit arrangements in process.
- Collects industry information relevant to existing and proposed borrowers using internal and external sources.
- Consults and advises the relationship manager(s) the Chief Credit Officer and other Credit Administration officers on credit structure pricing collateral and other credit consideration issues.
- Works with clients in regards to past due payments/loan maturities.
- Conducts trade and reference checks on customers/prospects.
- Reviews documentation to ensure compliance with Bank policy and procedures.
- Performs special projects as designated by Supervisor Manager Relationship Manager President or Chief Credit Officer.
ADDITIONAL RESPONSIBILITIES
- Demonstrates high degree of professionalism in communication attitude and teamwork with customers peers and management
- Demonstrates high level of quality work attendance and appearance
- Adheres to all Company Policies & Procedures and Safety Regulations
- Adheres to local state and federal laws
- Understands and complies with all company rules and regulations
- Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions as they apply to your position and job responsibilities with an emphasis on the BSA/AML/CIP Consumer Privacy Regulation CC Information Security Bank Protection Act FACT-Identity Theft Information Technology and GLBA.
- Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position may have supervisory responsibilities
MINIMUM QUALIFICATIONS
- Strong intermediate knowledge of accounting principles tax return analysis and analytical interpretation of balance sheet income statement analysis and cash flow.
- Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.
- Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs.
- Intermediate working knowledge of loan documentation.
- Must be able to handle a strong volume of work flow from various sources.
- Ability to maintain confidentiality of all bank and client information.
- A Bachelors degree from a four-year college or university or one to two years related experience and/or training or equivalent combination of education and experience.
COMPETENCIES:
- Adaptability
- Communication
- Decision Making
- Initiative
- Innovation
- Motivator
- Organization
- Professionalism
- Results Orientated
PHYSICAL DEMANDS: In general the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.
- Standing walking and squatting less than fifty percent of the work shift
- Required to lift move and carry up to 40 pounds
- and write to accurately complete all documentation and reports
- Must be able to see hear and speak in order to communicate with employees and other customers
- Specific vision abilities include close vision distance vision peripheral vision depth perception and ability to adjust focus
- Manual dexterity required using hands to finger; handle feel and type; reach with hands and arms
(Check the box that applies by double clicking on the box.)
Sedentary: Limited activity no lifting limited walking
Moderate: Mostly standing walking bending frequent lifting
X Light: Office work some lifting bending stooping or kneeling walking
Arduous: Heavy lifting bending crawling climbing
WORK ENVIRONMENT: In general the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
- The work space is clean orderly properly lighted and ventilated with the proper safety compliance
- Noise levels are considered moderate
Sunwest Bank Is an Equal Opportunity Employer
Sunwest Bank works with staff members and customers without regard to race ancestry national origin sex marital status age religion medical condition handicap disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program.
Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter and it is intended that Sunwest Bank through the purposeful efforts of its employees and officers are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.
Attend and complete all required classroom computer-based web-based and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Banks Code of Ethics and Conduct. Each employee is also expected to maintain an awareness of the laws regulations internal policies and procedures that are appropriate for his/her position
Note: The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties responsibilities and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
Required Experience:
Unclear Seniority
Employment Type
Full Time
Key Skills
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