Asset Quality Review Team Lead in Irvine, California at Sunflower Bank NA

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com.

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Asset Quality Review Team Lead at our Irvine, CA location.

The hourly rate for this position is $46 - $53 per hour depending on knowledge, skills, abilities, experience, and location.

Description:

The Asset Quality Review (AQR) Team Lead is responsible for supporting and guiding AQR Analysts in conducting asset quality reviews of Commercial Real Estate (CRE) and Multifamily (MF) loan portfolios. Acting as a liaison between analysts and management, this role ensures consistency in review standards, mentors junior staff and analysts, and contributes to the development of procedures and reporting. The Team Lead also plays a key role in coordinating investor reporting, inspections, post-closing covenant tracking, and risk rating assessments.

Responsibilities:

• Responsible for adherence to all compliance programs and the completion of all required and assigned training by established due dates
• Responsible for understanding their duties and responsibilities as it relates to the Bank Secrecy Act, (“BSA”), Anti-Money Laundering Act (“AML”) and Office of Foreign Assets Control Regulations (“OFAC”). This includes understanding any responsibilities outlined under the Bank’s BSA/ OFAC Program, participating in any required training and promptly complying with all reporting requirements
• Understands and complies with the requirements of the Bank’s Credit Policy
• Ensure adherence to compliance programs, including timely completion of required training.
• Maintain working knowledge of responsibilities under BSA, AML, and OFAC regulations.
• Strong knowledge of Freddie Mac’s Asset Management process using the Seller/Servicing
• Guide and Lender Applications (PRS, DMS, CRT), overseeing the LIT and Watch List monthly reports.
• Support the AQR Manager in overseeing the daily activities and workload of AQR Analysts.
• Mentor and train junior analysts; serve as subject matter expert on review methodology and technical questions.
• Coordinate required inspections and second reviews for Freddie Mac loans with Chief Appraiser. Track deadlines for due dates, required repairs/life and safety issues compliance.
• Act as liaison between Sunflower Bank’s insurance department and Freddie Mac for hazard claims.
• Contribute to the preparation of internal and regulatory asset quality reports.
• Participate in investor loan reviews and ensure compliance with investor requirements.
• Coordinate with Loan Servicing, Construction, and Special Assets teams to resolve issues related to insurance claims, financial reporting, and covenant compliance.
• Participate in the development and refinement of AQR procedures and tools to enhance review efficiency and accuracy.
• Collaborate with underwriting, loan servicing, and special assets teams to address credit-related issues.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Education / Experience Preferred:

• College degree or equivalent experience
• Minimum of 7 - 10 years previous experience as a bank credit analyst or commercial real estate lending experience preferred.
• Strong understanding of CRE/MF underwriting, risk rating methodologies, and investor requirements.
• Demonstrated leadership or mentorship experience preferred.
• Strong understanding of financial analysis, accounting principles and loan structure required.
• Excellent analytical, organizational, and communication skills.
• Proficiency in Microsoft Office (Excel, Word); experience with credit or loan servicing systems a plus.
• Strong interpersonal skills with the ability to lead by example and foster team collaboration.
• Ability to manage multiple priorities under tight deadlines.
• Detail-oriented with a high level of accuracy in work.
• Professional demeanor and ability to interact with internal and external stakeholders.
• Present a professional image in dealing with customers, interdepartmental and external representatives.
• Multifamily Agency Lending specifically Freddie Mac experience is a plus.

Pay is dependent on knowledge, skills, abilities, experience, and location.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates enjoy outstanding benefits, including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

If you qualify, apply online at www.sunflowerbank.com/careers.

You’ve never worked anyplace like Sunflower Bank!

EOE/AA: Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. 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.

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.