Commercial Loan Servicing Officer I, II or III

Tri Counties Bank•Bakersfield, CA

5d•$24 - $38

About The Position

Tri Counties Bank is hiring a Commercial Loan Servicing Officer at level I, II, or III. The role supports an assigned commercial loan portfolio and performs servicing and processing duties for commercial, real estate, and construction loans. Level I supports a small portfolio with little to minimum supervision; level II supports a medium and/or complex portfolio with minimum supervision; and level III supports a large and/or complex portfolio with minimum supervision. The position works with Relationship Managers, Commercial Loan Underwriters, Loan Originations, branch and support department personnel, and clients to support credit risk management and compliance with loan covenants and bank policies and procedures. The hiring range is $24.04 to $38.00 per hour, with incentive opportunities. Compensation is commensurate with qualifications and experience, based on the bank's pay scale, and may be modified by location. Tri Counties Bank is a wholly owned subsidiary of TriCo Bancshares, headquartered in Chico, California. Established in 1975, the bank serves individuals and businesses throughout California through more than 75 locations, mobile and online banking, and access to approximately 40,000 surcharge-free ATMs. The company describes its approach as locally focused, with local bankers and decision-making, corporate philanthropy, community engagement, employee volunteerism, and investments.

Requirements

For level I: Associate of Arts degree and two years of related experience and/or training, or an equivalent combination of education and experience.
Related work experience should include financial institution operations, sales, or customer service; relevant education should be business- or financial-industry-related.
For level I: Two years of loan processing experience or equivalent related experience in a financial institution.
For level I: Complete working knowledge of commercial loan transactions.
Ability to develop and manage customer relationships.
Familiarity with Treasury Management products and services.
Strong organizational and time-management skills.
Strong verbal and written communication skills.
Ability to handle change and learn and adapt to new information and technology platforms.
Ability to use Windows-based programs, including Outlook, Excel spreadsheets, word-processing programs, and agricultural crop-tracking and budgeting programs.
For level II: Associate of Arts degree and five years of related experience and/or training, or an equivalent combination of education and experience.
For level II: Three years of loan processing experience and working knowledge of commercial loan transactions, including appraisals, insurance, preliminary title reports, and flood matters.
For level II: Two or more years of experience as a Commercial Loan Servicing Officer I or equivalent experience.
For level III: Two or more years of experience as a Commercial Loan Servicing Officer II or equivalent related job experience.

Nice To Haves

Experience with nCino is preferred.
Notary status is desired.

Responsibilities

Assist Relationship Managers with collecting loan documentation for credit analysis and gather financial documents for tickler and renewal requirements.
Support customer onboarding, due diligence, and other risk-management matters; analyze applicant documentation and review legal entity documents to determine account and loan signers.
Order DMV reviews, flood certificates, UCC searches, preliminary title reports, and environmental reports as needed.
Review preliminary title policies for accuracy; request endorsements and lien releases to perfect the bank’s lien position; and prepare lender instructions accurately.
Review supporting documentation, obtain underwriting approval for changes, and enter missing or modified information into nCino.
Prepare and submit complete files for loan documentation, compiling documents required by loan approval conditions after credit approval.
Coordinate loan documentation and closings, setting reasonable expectations with customers for document signing and closing.
Review final loan documents in e-signature envelopes for accuracy and completeness before sending them to borrowers.
Process and prepare documentation for payments, advances, and draws; research account information in the Core system, including balances, accrued interest, and payment due information.
Assist with document imaging by scanning and uploading customer financial information and loan documents; may also perform quality control.
Maintain current knowledge of bank policies and procedures and comply with applicable federal and state laws and regulations, including requirements concerning BSA, SARs, CIP, OFAC, GLBA, identity theft red flags, and financial elder abuse reporting.
Manage an assigned commercial loan portfolio while meeting department turnaround times and service agreements.
Respond to and resolve customer requests or technical questions related to loan and deposit accounts.
Prepare and review agricultural tracking files as needed to ensure clients remain within budget.
Support administrative activities related to FarmerMac loans.
Attend required training for professional growth and participate in Lean training and value-stream mapping; apply Lean principles and root-cause problem-solving to improve workflows, reduce waste, and meet customer needs.
Perform other duties as assigned.