Commercial Loan Servicing Officer II or III

Tri Counties Bank•Fresno, CA

23h•$26 - $38

About The Position

The Commercial Loan Servicing Officer II (CLSO II) is responsible for supporting a medium and/or complex portfolio of customers, performing a variety of duties related to the processing of commercial, real estate, and construction loans with minimum supervision. This role ensures satisfactory credit risk management and compliance with loan covenants and bank policies. The CLSO III role is similar but responsible for supporting a large and/or complex portfolio of customers. Both roles involve working directly with Relationship Managers, Commercial Loan Underwriters, Loan Originations, Branch and support department personnel, and clients.

Requirements

Associate of Arts degree and 5 years of related experience and/or training; or the equivalent combination of education and experience.
Work related experience should consist of financial institution operations, sales, or customer service background.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
Ability to develop and manage customer relationships.
Familiarity with Treasury Management products and services.
Excellent organizational and time management skills.
Excellent verbal and written communication skills.
Must be able to handle change, possess the ability to learn and adapt to new information and technology platforms.
Ability to utilize various Windows driven programs, including outlook, excel spreadsheets, word processing, agricultural crop tracking and budgeting programs.
Two or more years’ experience as a Commercial Loan Servicing Officer I or equivalent experience (for CLSO II).
Two or more years’ experience as a Commercial Loan Servicing Officer II or equivalent related job experience (for CLSO III).
Assists in managing the most complex commercial loans (for CLSO III).

Nice To Haves

Notary preferred.

Responsibilities

Assists Relationship Managers in collecting loan documentation on existing or potential customers for credit analysis purposes. Collects necessary financial documents to satisfy tickler and renewal requirements.
Helps with customer onboarding, due diligence and other associate risk management matters where required. Analyzes applicant documentation and reviews legal entity documentation to determine account/loan signers.
Orders DMV reviews, flood certificates, UCC searches, preliminary title reports and environmental reports as needed.
Reviews preliminary title policies for accuracy and requests endorsements and lien releases as needed to perfect the bank’s lien position. Prepares lender’s instructions accurately.
Reviews supporting documentation for accuracy and obtains underwriting approval for any changes. Input missing or modified information into nCino to ensure superior customer service and relationship management.
Prepares and submits complete files for Loan Documentation. After credit approval, compiles all necessary information and documents required as a condition of loan approval according to the loan product/program.
Coordinates loan documentation and loan closings establishing reasonable customer expectation for loan document signing and loan closing for all commercial loans.
Reviews the e-signature envelope of the final loan documents ready for electronic signing to ensure accuracy and completeness prior to sending to the borrower.
Processes and prepares documentation for payments, advances, and draws. Research account relationship information in the Core system, such as balances, accrued interest, payment due, etc.
Helps with document imaging including scanning of customer financial information, loan documentation and uploading documents to the imaging system. May also be required to provide quality control.
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.
Manages an assigned portfolio of commercial loans while meeting department turnaround times and service agreements.
Responds to and resolves customer requests or technical questions relating to loan and deposit accounts.
Prepares and reviews Ag tracking files as necessary to ensure client remains within budget.
Supports administrative activities related to FarmerMac loans.
Attends all required training for professional growth.
Actively participates in all Lean training and value stream mapping along with demonstrating knowledge of the Five Key Lean Principles taught. Embraces and exhibits a lean thinking mindset and applies root cause problem-solving to make incremental improvement through waste reduction and streamlining of work. Continually looks for creative ways to improve workflow processes efficiently and effectively for scalability and sustainability while meeting customer needs.
Other duties as assigned.