Commercial Loan Admin Senior

Columbia Bank•Sacramento, CA

3d•Onsite

About The Position

Acts as a primary liaison with commercial customers during all phases of onboarding a new banking relationship and manages existing relationships on an ongoing, day-to-day, and transactional basis in partnership with the business unit and other bank departments. Serves as a subject matter expert on processes and requirements that support an exceptional customer experience. Partners with the Commercial Relationship Team to obtain and review information for underwriting, documenting, and closing complex C&I, construction, and term loans, as well as deposit accounts and other services. Sets up, processes, and monitors documents and files to ensure package completion, compliance with customer requests, and adherence to regulatory requirements. Independently prepares data input sheets and information needed to board customer relationships on the bank’s servicing systems. Maintains documentation for third-party reviews and prepares files for timely audits. Works with attorneys and other financial or legal resources to negotiate accurate documents that protect the bank’s interests. Sets up and monitors loan and financial ticklers, ensures closing conditions are met, and closes loans within required time frames. Works directly with customers to resolve problems involving bank products and services and facilitates account maintenance and advance requests. Performs general ledger certification, including research, balancing, and certification. Analyzes property and liability insurance, title policies and exceptions, and UCC searches for compliance with bank policies and procedures. Demonstrates compliance with applicable bank regulations, keeps current with regulatory changes, follows bank policies and procedures, and completes required training. Maintains working knowledge of applicable written policies and regulations, including the Bank Secrecy Act, Regulation CC, Regulation E, and bank security requirements. May coach, mentor, or train others and teach coursework as a subject matter expert. Demonstrates and fosters Columbia’s corporate culture, takes personal initiative, and supports the vision to become the “Business Bank of Choice.” May perform other duties as assigned. The position is fully onsite at 1015 7th St, Sacramento, CA 95814. Occasional travel is required. The pay range is $30.00 to $41.00; the selected candidate’s pay rate depends on job-related knowledge, skills, experience, education, and geographic location. The role may be eligible for performance-based incentive compensation.

Requirements

More than 10 years of banking, loan administration, and documentation experience.
Highest level of specialized experience and knowledge of the commercial department or function.
Proficiency in preparing complicated reports and documents.
Solid loan administration experience and knowledge of complex lending structures, letters of credit, borrower-based lending, multi-phased construction, and multiple collateral properties.
Knowledge of real estate construction draw analysis, reconciliation, and disbursement.
Ability to analyze title insurance commitment reports, including title exceptions, and prepare title and escrow instructions.
Proven analytical and problem-solving skills.
Ability to provide backup to a manager and provide direction to other associates as needed or requested.
Strong written and verbal communication skills.
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
Proficiency with personal computers, Word, Excel, and other business machines.
Ability to work fully onsite at the posted location.
Occasional travel.

Nice To Haves

High school diploma or GED (preferred).
Bachelor’s degree in business, finance, or a related discipline (preferred).

Responsibilities

Serve as a primary liaison for commercial customers during onboarding and ongoing relationship management.
Partner with the Commercial Relationship Team to obtain and review information for underwriting, documentation, and closing complex loans, deposit accounts, and other services.
Set up, process, and monitor documents and files to ensure package completion, customer-request specifications, and regulatory compliance.
Prepare data input sheets and information needed to board customer relationships on bank servicing systems.
Maintain files with required documentation for third-party review and prepare files for timely audits.
Work with attorneys and other financial or legal resources to negotiate accurate documents that protect the bank’s interests.
Set up and monitor loan and financial ticklers to ensure accuracy and timeliness.
Ensure closing conditions are met and loans close within required time frames.
Work directly with customers to review and resolve problems involving bank products and services and facilitate account maintenance and advance requests.
Perform general ledger certification, including research, balancing, and certification.
Analyze property and liability insurance, title policies and exceptions, and UCC searches for compliance with bank policy and procedure.
Comply with bank regulations and policies, keep current on regulatory changes, and complete required training.
Maintain working knowledge of applicable policies and regulations, including the Bank Secrecy Act, Regulation CC, Regulation E, and bank security requirements.
May coach, mentor, or train others and teach coursework as a subject matter expert.
Demonstrate and foster Columbia’s corporate culture, take initiative, and support the bank’s vision.
May perform other duties as assigned.

Benefits

Medical, dental, and vision plans for eligible associates.
401(k) retirement savings plan with employer match for qualifying associate contributions.
Employee assistance program.
Life insurance.
Disability insurance.
Tuition assistance.
Mental health resources.
Identity theft protection.
Legal support.
Auto and home insurance.
Pet insurance.
Access to an online discount marketplace.
Paid vacation, sick days, volunteer days, and holidays.
Potential eligibility for performance-based incentive compensation.