Junior Loan Officer | Costa Mesa, CA

who serve as Comerica's ambassadors in the community. At Comerica, our colleagues are essential to our success. We strive to provide you with the opportunity to grow and develop, both personally and professionally, by offering a wide range of programs that are designed to recognize, reward, and develop you throughout your career.

The Commercial Banking Development Program is an accelerated and challenging career path designed to develop Commercial Banking Associates into well-rounded Relationship Managers that exhibit a solid credit foundation and strong relationship development skills.20-month rotational program that includes formal credit training and two sales-focused rotations within

the Commercial Bank to gain valuable business development, sales and relationship building skills. Professional career development through backssments, coaching, team building, and mentoring.

Exposure to senior and executive leadership. Collaborative and supportive team environment. Gain in-depth knowledge of lending and non-lending products and services, including Treasury Management, Wealth Management, International Trade Services, Foreign Exchange, and Global Capital Markets. Lines of Business: Business Banking, Middle Market, Commercial Real Estate, Large Corporate, Technology Life Sciences, Equity Fund Services, Environmental Services, Mortgage Banker Finance, International, National

Dealer Services, Energy. Program Footprint: Dallas, TX; Houston, TX; Costa Mesa, CA; San Jose, CA; and Detroit, MI.

Associates may change office locations throughout the program, and all office locations are commutable within each geographic market. Position Responsibilities: Phase I: Credit Rotation Formal credit training takes place within a Commercial Underwriting Center. During Phase I, Commercial Banking Associates will complete a 3-week intensive classroom training session, which includes 1-week of travel to our headquarters office in Dallas, TX. As part of the on-the-job credit training, Associates will perform the following underwriting responsibilities: Prepare loan approval packages, in partnership with Relationship Managers and Portfolio Managers, for credit decisioning.

Provide complete analysis of loan approval packages for new credit requests, as well as annual reviews of existing relationships, utilizing the various underwriting methods as established by Credit Administration. Analyze financial information to identify key strengths, credit risks, and mitigating factors associated with credit requests. Determine appropriate loan structures and banking solutions to meet customer needs. Monitor credit exposure for portfolio relationships.

Phase II: Sales Rotations Sales Rotations take place within an assigned Commercial Bank Group. Commercial Banking Associates will complete a structured sales training curriculum and gain real-world experience working alongside seasoned Relationship Managers. During the Phase II, there will be two Sales Rotations through different Lines of Business, each rotation lasting four months. Associates will demonstrate their credit and sales skills, with direct involvement in the prospecting and loan approval process. Specific responsibilities include: Working with Commercial Bank Group to analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research.

Observing and participating in prospect and customer calls. Observing and participating in sales, workload, and loan committee, meetings. Learning risk mitigation processes and understand various aspects of risk and compliance. Gaining an understanding of loan documentation and the loan closing process. Developing an understanding of the full breadth of Comerica's products and services offerings. Program Completion Successful completion of all credit and sales training coursework and practical application across all rotations.

Prepare a final project presentation that demonstrates Sales and Credit skills learned in the program. Initial placement into Relationship Manager I, First Level Officer position. Placement out of the program may require relocation and is subject to business needs, performance, and will take into consideration individual preferences when possible. Position Qualifications: Minimum Qualifications Bachelor's Degree Two (2) Accounting courses (6 units)1 year of experience with Microsoft Office Applications (Microsoft Word, Excel, Power Point, Outlook)Preferred Qualifications: Bachelor's Degree in Business, Economics, or similar degree field Overall GPA of 3.0 and 3.0 GPA in two accounting courses Seeking candidates with: Excellent interpersonal, verbal, and written communication skillinteractionceptional analytical, problem solving, and technical aptitude Time management skills and ability to handle multiple assignments Strong work ethic, customer-focus, and commitment to the communities we serve This position is not eligible for sponsorship.

Must have indefinite employment authorization Costa Mesa Monday - Friday; 8 am - 5 pm%387008% %%{{category}}%%

Banking jobs refer to employment opportunities within the banking sector, which includes retail banks, investment banks, and other financial institutions. These roles vary from customer-facing positions like personal bankers, who assist with account management and financial advice, to behind-the-scenes roles such as analysts and compliance officers. Key characteristics of banking jobs often include handling financial transactions, analysis of economic trends, risk assessment, and providing financial services. The sector is known for its structured career paths, competitive salaries, and its significant impact on the broader economy. Moreover, banking roles demand strong numerical skills, attention to detail, and a deep understanding of financial regulations and markets.

Banking jobs refer to employment positions within banks and financial institutions. These roles encompass a variety of functions such as managing finances, providing customer service, analyzing investments, and overseeing loans. Key features of banking jobs include attention to detail, strong numerical ability, understanding of financial regulations, and a focus on customer satisfaction. As the backbone of financial services, banking careers require professionalism, integrity, and often a degree in finance, economics, or a related field. With the advent of digital banking, these roles are also evolving to include tech-savviness and adaptability to changing financial technologies.

financial services and guidance to the world’s most successful individuals, families, and institutions by remaining true to our enduring principles of service, expertise, and integrity. With more than 130 years of financial experience and over 22,000 partners, we serve the world’s most sophisticated clients using leading technology and exceptional service.

Major Duties Responsible for developing new relationships and existing relationships. Identifies prospects and develops the marketing strategy for specific clients. Manages complex wealth management banking credit and treasury management client relationships and identifies opportunities external to banking in the areas of investment

and fiduciary. Applies knowledge of credit policy, banking products as well as risk management in serving clients. Responsible for “cold calling” on prospects with the ability to self-source new relationships.

Responsible for structuring and negotiating complex loan and/or lease agreements according to guidelines established by senior bank and business unit management. Analyzes and negotiates the terms of loans, such as special pricing conditions, interest rates, Swaps etc. according to guidelines set by the Credit Policy Committee. Oversees and negotiates the preparation of documentation necessary for the financing agreement. Advises and consults with clients as it relates to Goals Driven

Wealth Management Generates leads through well established relationships with COI’s and cultivates a network of additional COI’s.

Carries out activities that are large in scope, cross-functional and technically difficult. Role is balanced between high level operational execution and development and execution of strategic direction of business function activities. Responsible for direct interaction with different committees and/or management Strategic in developing, implementing, and administering programs within functional areas. Solves complex problems. Knowledge Advanced knowledge of the banking industry, competition, and financing, usually acquired through formal education and experience is required.

Knowledge of investments, trust and financial consulting concepts is necessary to identify cross selling opportunities. Skills in negotiation, leadership and sales are necessary to develop the client and prospect relationships and a partner network. Excellent oral and written communication skills are required. Highly flexible and adaptable to change. Requires in-depth conceptual and practical knowledge in own job discipline and basic knowledge of related job disciplines. Qualifications 3 - 5 years’ experience in financial analysis and commercial credit required Business Development experience May lead small projects with manageable risks and resource requirements.

Salary Range: $130,000 - $180,000. Salary range is an estimate of base pay. Northern Trust provides a comprehensive benefits package, including retirement and pension plan contributions, health and welfare benefits, paid time off, parental and caregiver leave, life insurance, and other wellbeing benefits. Working With Us As a Northern Trust partner, greater achievements await. You will be part of a flexible and collaborative work culture in an organization where financial strength and stability is an asset that emboldens us to explore new ideas.

Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to assisting the communities we serve! Join a workplace with a greater purpose. We’d love to learn more about how your interests and experience could be a fit with one of the world’s most admired and sustainable companies! Build your career with us and apply today. #Made For Greater Reasonable accommodation Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities.

If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at xyz X@. We hope you’re excited about the role and the opportunity to work with us. We value an inclusive workplace and understand flexibility means different things to different people. Apply today and talk to us about your flexible working requirements and together we can achieve greater.