Commercial Loan Servicing Officer I, II or III

Tri Counties Bank•Bakersfield, CA

About The Position

The Commercial Loan Servicing Officer supports an assigned portfolio of commercial, real estate, and construction loan customers. Depending on level, the portfolio may be small, medium, large, and/or complex, and work is performed with little to minimum supervision. The role performs loan servicing duties to support satisfactory credit risk management and compliance with loan covenants, bank policies, procedures, and applicable regulations. It works with Relationship Managers, Commercial Loan Underwriters, Loan Originations, branch and support department personnel, and clients. The posting covers levels I, II, and III, which have progressively greater experience and portfolio responsibilities.

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.
Work-related experience should include financial institution operations, sales, or customer service; education or training should be related to business or the financial industry.
For level I: Two years of loan processing or equivalent related job experience in a financial institution.
Complete working knowledge of commercial loan transactions.
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.
Ability to handle change and learn and adapt to new information and technology platforms.
Ability to use Windows-driven programs, including Outlook, Excel spreadsheets, word-processing applications, 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.
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 is desired.

Responsibilities

Assist Relationship Managers with collecting loan documentation for existing or potential customers for credit analysis.
Collect financial documents needed to satisfy tickler and renewal requirements.
Assist with customer onboarding, due diligence, and other associate risk management matters; analyze applicant documentation and review legal entity documentation 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 and request endorsements and lien releases as needed to perfect the bank’s lien position; prepare lender’s instructions accurately.
Review supporting documentation for accuracy, obtain underwriting approval for changes, and enter missing or modified information into nCino.
Prepare and submit complete files for Loan Documentation, compiling the information and documents required by loan approval conditions and the loan product or program.
Coordinate loan documentation and closings, setting reasonable customer expectations for document signing and closing.
Review final loan-document e-signature envelopes for accuracy and completeness before sending them to borrowers.
Process and prepare documentation for payments, advances, and draws; research account relationship 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 documentation, and provide quality control when required.
Maintain current understanding of bank policies and procedures and comply with applicable federal and state laws and regulations, including Bank Secrecy Act requirements, Information Security, 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 about loan and deposit accounts.
Prepare and review agricultural tracking files as necessary to ensure clients remain within budget.
Support administrative activities related to FarmerMac loans.
Attend required training 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.