Square 1 Financial AVP, Loan Officer - Pacific Western Bank (Solvang, CA) in Solvang, California

The Loan Officer is expected to independently monitor the performance of assigned borrowers, identify deviations from agreed upon performance and take the appropriate remedial steps. The Loan Officer should strive to build strong working relationships with all clients to ensure open communication and improved understanding of the client’s operating performance and needs.


  • Collaborate with Investment Officer prior to loan closing to prepare for the transfer of the new client loan account into Portfolio Management

  • Ensure loans are performing by tracking financial performance of client operations. Perform financial statement analysis to monitor trends and new developments that may impact loan performance. Monitor payment performance and address and resolve delinquencies in a timely manner. As applicable, monitor compliance with loan covenants

  • Ensure timely and accurate risk rating assessments and inform management of developing problems

  • Communicate with other relevant parties to establish a thorough understanding of an account relationship

  • Adhere to procedures for data entry to CS systems and tracking reports and maintain appropriate stewardship of credit files to document all material events and actions

  • Respond to requests from clients for additional funding or modifications to existing loans

  • Maintain financial integrity by researching and reconciling discrepancies; auditing and verifying documents; following internal controls; understanding and monitoring loan documents to ensure compliance

  • Prepare periodic reports and summaries to keep management informed on portfolio performance. Communicate with client and or supervisor to resolve loan issues or questions

  • Contribute to team effort by accomplishing related results as needed, including special projects


  • Bachelor's degree in Finance or Accounting (CPA or MBA a plus)

  • Minimum 3-4 years of related experience or public accounting strongly preferred

  • Strong analytical and communication skills required, together with an entrepreneurial work ethic

  • Ability to analyze financial statements (profit and loss, balance sheet, and cash flow statements)

  • Multi Family, commercial real-estate underwriting experience.

  • Ability to multi-task in a fast paced environment

  • Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analyses.

  • Superior interpersonal, writing and oral communication skills

  • Ability to travel on short notice

  • Proficient with Word and Excel (including financial modeling)

  • There will be some on-the-job training; however, the candidate should be a “self-starter”

  • Championing Customer Needs: Provides timely and professional service to both internal and external customers; is responsive to customer needs and requests; is always courteous to the customer and considers the needs of the customer when making decisions.

  • Communicating Effectively: Shares information. Listens and involves others. Clearly conveys ideas in a manner that engages others and helps them understand and retain the message.

  • Delivering High Quality Work: Makes sure responsibilities central to the role meet all requirements and expectations. Finishes tasks promptly and critically reviews work to ensure quality and accuracy. Considers impact of work to others and takes steps to mitigate. Seeks additional work after finishing tasks

  • Demonstrating Initiative: Takes action on his/her own without being prompted; handles problems independently when appropriate; able to resolve issues without relying on extensive help from others; does more than is expected or asked.

  • Supporting Change: Supports change and innovation. Is comfortable with a changing environment and is adaptive to such an environment.