Summary: This position is responsible for the daily management of assigned commercial portfolios.

Salary Range: The salary range in CA for this role is $78,200 to $112,700 and represents the Company's good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate may vary outside of this range depending on several factors, including a candidate's qualifications, skills, competencies, experience, and location.

The Company also offers a full range of benefits, including medical, dental, vision, and 401K match. Other rewards may include annual performance-based bonuses and wellness days.

Applicants must have current work authorization when accepting a First Foundation Inc. position. Currently, we are unable to sponsor or take over the sponsorship of an Employment Visa.

Duties and Responsibilities:

• Understands and complies with requirements of all laws and regulations applicable to the position
• Daily management of assigned commercial portfolios
• Maintain commercial loan files in partnership with assigned Commercial Banker(s) to ensure documentation is organized and complete in electronic files for third-party reviewers as needed
• Monitors ongoing borrower compliance with loan covenants and financial reporting requirements on all assigned loans
• Maintain a complete understanding of the Bank’s lending objectives, its credit policies and procedure, and the underwriting process, as well as various Bank lending products; this includes but is not limited to Share National Credits, Mortgage Servicing Rights, Business Lines of Credit (both term and revolving), Business Equipment Loans and Lines, and Owner Occupied Commercial Real Estate Loans and SBA Loans and Lines
• Evaluate the credit worthiness of prospective Borrower(s) and any and all Guarantor(s) and present facts to Commercial Bankers
• Recommend approval of loans, declination of loans, or required changes in the amount, interest rate, or loan structure to ensure conformity with the Bank’s credit policy
• Promote and provide excellent customer service by effectively communicating and cooperating with all internal and external customers
• Perform other duties as assigned

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

• High School diploma or equivalent required; Bachelor’s degree in business administration or financial field preferred
• Entry Level; however, 1-3 years of related experience preferred
• Must have strong knowledge of credit analysis, to include real property analysis and valuation, real estate lending, commercial loan underwriting and financial and credit analysis

Skills:

• Must be able to comprehend, analyze, and interpret information regarding financial statements, tax returns, and other information for the more complicated commercial loan transactions
• Must have strong understanding of accounting principles
• Must be self-motivated with the ability to prioritize, organize, analyze, and produce in a high-volume, deadline driven production work group
• Must possess effective verbal and written communication skills
• Proficiency in Windows applications, including Microsoft Word, Excel, and Outlook

Physical Demands: The physical demands described here 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 enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit for long periods; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; and communicate on the phone wearing a headset for extended periods. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.

First Foundation is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.