Relationship Associate I or II

Tri Counties Bank•Chico, CA

2d•$22 - $34

About The Position

POSITION SUMMARY - Relationship Associate I Responsible for supporting a small portfolio of customers performing a variety of duties related to the processing of business banking, commercial, real estate, and/or lines of credit. Performs a variety of loan servicing duties for an assigned business banking loan portfolio to ensure satisfactory credit risk management, compliance with loan covenants and bank policies and procedures. Works directly with Business Bankers, Underwriters, Loan Originations, Branch and support department personnel and clients. POSITION SUMMARY - Relationship Associate II Responsible for supporting a medium and or complex portfolio of customers performing a variety of duties related to the processing of business, real estate, and C&I loans with minimum supervision. Performs a variety of loan servicing duties for an assigned loan portfolio to ensure satisfactory credit risk management, compliance with loan covenants and bank policies and procedures. Works directly with Relationship Managers, Underwriters, Loan Originations, Branch and support department personnel and clients.

Requirements

High school diploma or equivalent, required.
Two years of loan processing, or equivalent related job experience in a financial institution.
Complete working knowledge of business loan transactions.
Ability to develop and manage customer relationships.
Excellent organizational and time management skills.
Excellent verbal and written communication skills.
Associate degree and 5 years of related experience and/or training; or the equivalent combination of education and experience.
Experience should consist of financial institution operations, sales, or customer service background.
Educational experience, through in-house training, formal school or financial industry related curriculum.
Three years of loan processing experience and working knowledge of commercial loan transactions including but not limited to understanding of appraisals, insurance, preliminary title reports, and flood.
Two years of experience as a Commercial Loan Servicing Officer I or equivalent experience.

Nice To Haves

Experience with nCino preferred.
Familiarity with Treasury Management products and services.
Notary desired.
Notary preferred.

Responsibilities

Assists business bankers in collecting loan documentation on existing or potential customers for credit analysis purposes.
Collects necessary financial documents to satisfy ticklers 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, credit reports, appraisals, 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.
Coordinates loan documentation and loan closings establishing reasonable customer expectation for loan document signing and loan closing for all loans.
Helps with document imaging including scanning of customer financial information, loan documentation and uploading documents to the imaging system.
Processes and prepares documentation for payments, advances, and draws.
Researches account relationship information in the Core system, such as balances, accrued interest, payment due, etc.
Helps with coordinating documentation for new deposit accounts and assists with relationship maintenance.
Handles customer issues, monitors accounts, portfolios and loan bookings to ensure compliance with regulatory and company policies; tracks compliance and reports, escalates identified issues for resolution.
Assists Relationship Manager in activities such as interest calculations, fee calculations, borrowing base monitoring and preparing/maintaining tracking spreadsheets.
Monitors and acts on assigned portfolio to minimize delinquency rate within target portfolio standards.
Reviews all documents for accuracy and obtains underwriting approval for any changes.
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.
Assists with processing or approving transactions such as payments, advances, and draws.
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.
Responds to and resolves customer requests or technical questions relating to loan and deposit accounts.
Attends all required training for professional growth.