Commercial Loan Quality Control Analyst

Civista Bank•Sandusky, OH

About The Position

Position Purpose: This position is responsible for ensuring the Bank maintains a sound loan portfolio ensuring compliance with all state and federal laws and regulations and Civista Bank lending policies and procedures. The Analyst will review a variety of new and modified commercial loan types in this role - C&I, CRE, SBA, Participations, Swap, and others. Additionally, the Analyst will review documentation for accuracy, completeness, and compliance in both pre-close and post-close while promoting and maintaining a positive internal and external customer relationship. Key Accountabilities and Expectations: To maintain regular contact and proper escalation with the Commercial Quality Control Supervisor regarding the status of loans in process, audit requests. Reviews complex commercial loan documentation and related supplements to support business partners, ensuring accuracy and adherence with Bank loan policy and guide. Determines document options and presents options to lenders/documentation specialists as applicable. Embraces change and continuous improvement concept, constantly looking to improve both efficiency and effectiveness of the Quality Control team and their processes. Responds to all requests for information and assistance in a prompt, efficient and friendly manner by relaying information as requested, and follows up on all situations that cannot be handled immediately. Resolves complaints in a reasonable timeframe. Maintain a good working knowledge of all Bank policies and procedures and identify deviations from policy, escalating as appropriate to the Commercial Quality Control Supervisor. Develop deep relationships with business partners, including Lenders, Credit Analysts, and Administrative Assistants to ensure optimal efficiency and effectiveness regarding services provided. To provide accurate, efficient, courteous, prompt, and professional telephone service to all customers and potential customers. To research, respond to customer inquiries and resolve customer complaints/issues in a timely and effective manner. To ensure loan documents and files are complete, accurate and in accordance with Bank loan policy. To track all outstanding loan documents/collateral items to ensure Bank's lien position is obtained. To assist with additional loan operation roles, as requested or necessary.

Requirements

3-5 years of related loan processing experience and/or training; or the equivalent combination of education and experience.
Work related experience should consist of Audit, Legal, Compliance, Financial Analysis, Credit Review, or similar fields.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
Bachelor's degree in accounting, business, finance, or equivalent experience.
A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.
Work involves extensive personal contact with others and is usually of a sensitive nature.
Outside contact becomes important and fostering sound relationships with other entities (customers, vendors, etc.) becomes necessary.
Solid working knowledge of banking industry practices relative to bank loan operations with respect to loan products, services, and terminology.
Knowledge of commercial, construction, real estate and consumer loan products and processing.
Knowledge of related state and federal lending and compliance laws and regulations, and other Bank lending policies.
Highly accurate data entry skills and strong level of skill working with a variety of PC and internet applications, including spreadsheets (creating formulas) and the ability to navigate key industry specific Internet sites.
Strong multi-tasking, time management, thoroughness, and accuracy skills required.
Solid communication and organizational skills with focus on teamwork and cooperation.
A high level of confidentiality is required.
Ability to work under deadlines with frequent interruption.

Responsibilities

Maintain regular contact and proper escalation with the Commercial Quality Control Supervisor regarding the status of loans in process, audit requests.
Reviews complex commercial loan documentation and related supplements to support business partners, ensuring accuracy and adherence with Bank loan policy and guide.
Determines document options and presents options to lenders/documentation specialists as applicable.
Embraces change and continuous improvement concept, constantly looking to improve both efficiency and effectiveness of the Quality Control team and their processes.
Responds to all requests for information and assistance in a prompt, efficient and friendly manner by relaying information as requested, and follows up on all situations that cannot be handled immediately.
Resolves complaints in a reasonable timeframe.
Maintain a good working knowledge of all Bank policies and procedures and identify deviations from policy, escalating as appropriate to the Commercial Quality Control Supervisor.
Develop deep relationships with business partners, including Lenders, Credit Analysts, and Administrative Assistants to ensure optimal efficiency and effectiveness regarding services provided.
Provide accurate, efficient, courteous, prompt, and professional telephone service to all customers and potential customers.
Research, respond to customer inquiries and resolve customer complaints/issues in a timely and effective manner.
Ensure loan documents and files are complete, accurate and in accordance with Bank loan policy.
Track all outstanding loan documents/collateral items to ensure Bank's lien position is obtained.
Assist with additional loan operation roles, as requested or necessary.