Commercial Loan Servicing Officer II or III

Hiring range: $24.00 to $34.00 hourly, plus incentive opportunities. Pay is based on qualifications, experience, and location, creating a competitive total compensation package.

About the role

Commercial Loan Servicing Officer II or III is responsible for supporting a medium to large and/or complex portfolio of customers, performing a variety of duties related to the processing of commercial, real estate, and construction loans with minimum supervision. Responsibilities include ensuring satisfactory credit risk management, compliance with loan covenants, and adherence to bank policies and procedures. Works directly with Relationship Managers, Commercial Loan Underwriters, Loan Originations, Branch and support department personnel, and clients.

Responsibilities

• Assists Relationship Managers in collecting loan documentation on existing or potential customers for credit analysis purposes.
• Collects necessary financial documents to satisfy tickler 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, 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.
• Inputs 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/program.
• Coordinates loan documentation and loan closings, establishing reasonable customer expectations 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.
• Processes and prepares documentation for payments, advances, and draws.
• Researches account relationship information in the Core system, such as balances, accrued interest, and payment due.
• Assists with document imaging, including scanning of customer financial information, loan documentation, and uploading documents to the imaging system. May also provide quality control.
• 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, and Financial Elder Abuse Reporting.
• Manages an assigned portfolio of commercial loans while meeting department turnaround times and service agreements.
• Responds to and resolves customer requests or technical questions relating to loan and deposit accounts.
• Prepares and reviews Ag tracking files as necessary to ensure the client remains within budget.
• Supports administrative activities related to FarmerMac loans.
• Attends all required training for professional growth.
• Actively participates in all Lean training and value stream mapping, demonstrating knowledge of the Five Key Lean Principles. Applies root cause problem-solving to make incremental improvements through waste reduction and streamlining of work.
• Continually looks for creative ways to improve workflow processes efficiently and effectively for scalability and sustainability while meeting customer needs.
• Other duties as assigned.

Requirements

• Associate of Arts degree and 5 years of related experience and/or training; or equivalent combination of education and experience.
• Work-related experience should consist of financial institution operations, sales, or customer service background.
• Educational experience should be business or financial industry related.
• 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, learn, and adapt to new information and technology platforms.
• Proficiency in various Windows-driven programs, including Outlook, Excel spreadsheets, word processing, agricultural crop tracking, and budgeting programs.
• Two or more years’ experience as a Commercial Loan Servicing Officer I or equivalent experience (for Officer II).
• Two or more years’ experience as a Commercial Loan Servicing Officer II or equivalent related job experience (for Officer III).
• Assists in managing the most complex commercial loans (for Officer III).
• Notary preferred.

About the company

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, with corporate offices in Roseville, South San Francisco, and Bakersfield. The bank has assets of nearly $10 billion and 50 years of financial stability. Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide. As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism, and investments.