Senior Document Specialist

Tri Counties Bank • South San Francisco, CA

2d • $31 - $47

About The Position

The Senior Documentation Specialist (SDS) performs final reviews of the Bank’s commercial loans to ensure compliance with applicable statutes and regulations related to the commercial lending function, and Bank policies and standards. The SDS documents and or provides final reviews on mid- to large-size complex loans (construction, asset-based, etc.) and analyzes and advises Documenters, Lenders, and Special Assets team on modification to loan structure as needed to mitigate Bank risk/loss. The Senior Documentation Specialist would also work with outside counsel on any out of state transactions and any requests submitted to outside counsel (Legal Department) due to high dollar amount and or structure complexity. This would include preparation and or review of documents from outside counsel to ensure the documents follow TCB credit policy and procedures.

The Senior Documentation Specialist answers branch, lender, credit, and department questions regarding Bank’s loan documentation, documentation software D & H, and how documents relate to particular lending situations. The SDS sets and resets priorities in a time sensitive environment where customer service is emphasized at all times. The Senior Documentation Specialist creates and updates commercial lending forms, manuals and procedures, is a member of the compliance team and works with the compliance officer on loan compliance issues relating to lending policy and procedures as well as the Legal Department for any guidance needed.

Requirements

• High school diploma or GED required.
• Undergraduate degree or equivalent work-related experience.
• Comprehensive knowledge of banking and commercial credit structures and documentation.
• Paralegal experience in transactional law practice desirable.
• Excellent written and verbal communication skills.
• Excellent organizational skills and the ability to work in a fast-paced environment.
• Ability to utilize computer applications associated with the Bank’s software for documentation and main operating systems.
• Strong process-oriented skills with an emphasis on coaching and motivating.

Nice To Haves

• Paralegal experience in transactional law practice desirable.

Responsibilities

• Provides guidance and advice as subject matter expert to credit, Commercial Loan Servicing Officers (CLSO), Relationship Managers (RM), and peer documenters on commercial documentation compliance, entity structure collateral, title, recording & perfection as well as other risk mitigation issues related to commercial loans for Bank personnel, including relationship managers, credit administration, the legal department and executive management, as appropriate.
• Outside counsel – engage and clear conflict checks, send all related documentation, liaison between outside counsel, Legal and Credit to ensure documents integrity. This includes but not limited to creating and providing is some cases ancillary documents to support those documents provided by outside counsel
• Out of State- engage and clear conflict checks with counsel, prepare documents in Laser Pro (D&H) according to bank policy, convert to legal edit and send to counsel for review and input, once received review additions and make changes to docs accordingly via legal edit through Laser Pro (D&H). This includes but is not limited to working with internal and external counsel and credit team to ensure integrity of all documents prior to release for customer signature.
• Preparation and working with internal counsel and or review of all but not limited to subordination of debts, severance and consents, and intercreditor agreements. This includes working with both internal and outside counsel if applicable, documenters, credit, RM, and CLSO’s
• Uses expertise developed through substantial commercial loan experience to provide excellent support and act as a resource for complex matters for all which includes fellow documentation team, credit, CLSO’s and lenders.
• Identifies risks and makes recommendations as needed based on specific loan transactions and requirements for all, this includes fellow documentation team, credit, CLSO and lenders.
• Analyzes proposed loans and modifies loan structures and requested documentation as necessary to mitigate Bank risk and loss for all which includes fellow documentation team, credit, CLSO and lenders.
• Ensures proper loan and collateral documentation by staying abreast of and interpreting various laws, compliance regulations, policies and procedures, including GLBA Privacy, Regulation B, Fair Lending, BSA, OFAC and suspicious activity reporting.
• Prepares complex loan documentation completely and accurately consistent with approval terms and conditions. This includes Agricultural, Construction to Perm, Master Lines for both Auto and construction of Model homes with sub notes. Complex loans include those with multiple intertwining entity structures which could require working with internal counsel, outside counsel, title etc.
• Ensures adherence to commercial credit policy, Bank underwriting guidelines, and regulatory and compliance requirements.
• Works with branch personnel/title company/appraisal/credit admin to address any problems discovered during the file review. This includes ECOA requirement, and any and all endorsements
• Prepares credit documentation summary for attorney/administration for final decision/action.
• Coordinate assistance from inside/outside legal counsel where appropriate.
• Performs substantive legal or factual research as needed. for all which includes fellow documentation team, credit, CLSO and lenders.
• Performs secondary reviews of all documentation drawn by other documenters. This includes review of documentation to be consistent with approval, entity and collateral documentation
• Reviews and analyzes counsel/borrower requests for modifications to existing/proposed documentation and/or requested ancillary documents.
• Partners with Legal, Credit Administration, Compliance, Risk Management, and Audit to complete projects or update processes and procedures. Writes and updates procedures as needed.
• Acts as a regulatory point of contact for documentation department.
• Provides training to all documentation personnel working hand in hand with management and internal counsel as needed
• Handles special projects as delegated by management.
• Develops and revises forms as needed.
• Works with compliance officer on lending compliance issues, and is a member of Compliance Team.
• Preparation or review if prepared by other documenter of any Estoppels, Severance and Consent, Landlord Wavers and or Subordination and Non-Disturbance Agreements. This includes review of leases.
• Review and analyzing of entity structure of borrower which includes Operating and or Partnership agreements to determine and confirm signers
• Tracking and maintaining annual crop assignments for agricultural loans
• Remains current on documentation issues.
• Maintains and tracks the Bank’s letter of credit portfolio.
• Is an authority on legal entities and related documentation.
• Is an expert on collateral, title and flood insurance issues.
• Maintains a comprehensive knowledge of all aspects of the commercial lending process.
• Is familiar with a variety of credit related concepts, practices and procedures.
• 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.
• Exhibits extraordinary attention to detail, organization and time management.
• Adapts quickly to new demands and challenges.
• Performs other work-related duties as assigned.

Benefits

• incentive opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED