Commercial Loan Quality Control Analyst

Civista Bank • Margaretta Township, OH

6d

About The Position

The Commercial Loan Quality Control Analyst ensures the integrity, accuracy, completeness, and compliance of commercial loan documentation and servicing processes. The role supports a high-quality loan portfolio by reviewing new and modified commercial loan transactions for compliance with Bank policies, regulatory requirements, and documentation standards.

The Analyst performs detailed pre-closing and post-closing reviews of commercial, commercial real estate, construction, SBA, participation, and other complex loan transactions. Working with lenders, credit analysts, loan documentation specialists, and other business partners, the Analyst identifies exceptions, mitigates risk, helps protect the Bank’s collateral and lien positions, and supports efficient loan closings and servicing while providing internal and external customer service.

Requirements

• Minimum of 3–5 years of commercial loan processing, loan operations, quality control, audit, compliance, credit review, financial analysis, or related banking experience.
• Strong working knowledge of commercial lending operations, loan documentation, and collateral requirements.
• Knowledge of C&I, CRE, construction, SBA, and participation loan products.
• Understanding of applicable federal and state lending regulations and compliance requirements.
• Ability to analyze complex loan documentation and identify deficiencies and policy exceptions.
• Strong attention to detail, accuracy, and organization.
• Advanced time management and multitasking skills, including the ability to meet deadlines in a fast-paced environment.
• Excellent verbal and written communication skills.
• Strong interpersonal skills and ability to build relationships and collaborate across departments.
• Proficiency with Microsoft Office applications, including Excel, and other banking and loan operating systems.
• Ability to maintain confidentiality and exercise sound judgment when handling sensitive information.
• Demonstrated commitment to teamwork, customer service, accountability, and continuous improvement.
• Work involves frequent computer screen use and review of loan documents, reports, and electronic records; prolonged sitting and concentration; and working under deadlines with frequent interruptions.
• Ability to lift and move loan files or related materials weighing up to 20 pounds.

Nice To Haves

• Bachelor’s degree in accounting, finance, business administration, or a related field; equivalent experience may be considered.

Responsibilities

• Review complex commercial loan documentation and supporting materials for accuracy, completeness, and compliance with Bank policies and procedures.
• Perform quality control reviews of new and modified C&I, CRE, construction, SBA, participation, and other specialized loan transactions.
• Verify that loan documents are properly executed and support the approved credit structure.
• Identify and communicate documentation deficiencies, policy exceptions, and regulatory compliance concerns to appropriate business partners.
• Ensure loan files are complete, accurate, and maintained according to Bank standards.
• Review loan files for compliance with applicable federal and state lending laws and regulations.
• Escalate policy deviations, documentation exceptions, and risk concerns to management as appropriate.
• Support internal audits, regulatory examinations, and compliance reviews by providing accurate information and documentation.
• Assist in maintaining internal controls that protect the Bank’s assets and collateral interests.
• Monitor and track outstanding loan documentation, collateral exceptions, and post-closing requirements.
• Ensure collateral documentation is perfected and the Bank’s lien position is properly established and maintained.
• Research and resolve documentation and collateral issues, and follow up with stakeholders to obtain required documents and clear exceptions.
• Build effective working relationships with lenders, credit analysts, administrative assistants, loan documentation specialists, and other internal business partners.
• Provide guidance on documentation requirements, available loan document options, and quality control expectations; respond to requests for information and clarification.
• Recommend and participate in process improvements, departmental and cross-functional projects, and other assigned loan operations responsibilities.
• Provide accurate, efficient, courteous, prompt, and professional service to internal and external customers; research inquiries and help resolve issues and complaints.
• Maintain confidentiality of customer and Bank information.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level