Credit Support III - Bakersfield Cal Ave
About The Position
Credit Support (CS) serves as the primary point of contact for all internal business partners within a lending deal team. The CS role is professional and accountable for coordinating the loan process from initial engagement through closing, as well as ongoing portfolio management and loan reviews. This role partners with the bank's highest-producing Relationship Managers and independently manages a heavy volume of highly complex commercial loans without sacrificing speed or accuracy. The Credit Support III is recognized as the team's subject-matter expert on core banking systems and loan software, using advanced knowledge to train and mentor junior staff. This role involves proactive portfolio management by staying ahead of upcoming loan maturities, tickler and covenant tracking, and customer problem resolution.
Requirements
- Excellent verbal and written communication skills.
- Strong analytical and problem-solving skills.
- Proficient with Microsoft Office Suite or related software.
- High School Diploma or equivalent required.
- Six months to one year of related experience and/or training, or an equivalent combination of education and experience is preferred.
Nice To Haves
- A one-year certificate from college or technical school is preferred.
Responsibilities
- Manages and coordinates the overall loan process for the deal team(s) assigned
- Manages application workflow to prevent Reg B violations
- Responsible for the ordering and engagement of all third-party reports: Individual and business credit bureau reports, title insurance, hazard insurance, flood insurance, appraisal, and environmental reports, etc.
- Researches and reviews collateral lien positions, communicating potential issues to the deal team.
- Orders and reviews draft loan and collateral documentation to ensure they reflect the approved terms of the loan and that collateral will be adequately perfected.
- Work directly with retail staff to open client deposit accounts.
- Reviews and organizes the final loan package and submits for funding and boarding.
- Manages all document imaging throughout the loan process (origination and ongoing portfolio management)
- Gathers, organizes, and uploads electronic loan files.
- Accountable for ensuring that indexing and filing are accurate and complete.
- Completes a post-closing review of electronic loan files to ensure completeness.
- Participates in the ongoing monitoring of ticklers and covenants and may participate in requesting and gathering required documentation from the client.
- Participates in monitoring delinquency reporting and upcoming maturities. May participate in customer contact, gathering documentation for renewals, etc.
- Accountable for following all bank loan policies and procedures, including using required checklists, tracking logs, etc.
- Responsible for the creation and maintenance of digital files and imaging.
- Other duties and projects as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
