Senior Document Specialist

About the role

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.

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.
• Sets and resets priorities in a time sensitive environment where customer service is emphasized at all times.
• 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.
• 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.
• Collaborates with Legal, Credit Administration, Compliance, Risk Management, and Audit to complete projects or update processes and procedures.
• Writes and updates procedures as needed.
• 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.
• Partners with Legal, Credit Administration, Compliance, Risk Management, and Audit to complete projects or update processes and procedures.
• 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.
• Tracks and maintains annual crop assignments for agricultural loans.

Qualifications

• A high school diploma or GED required.
• An 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.

Skills

• Expertise developed through substantial commercial loan experience.
• Knowledge of various credit related concepts, practices and procedures.
• Current understanding of Bank policies and procedures in compliance with all federal and state laws.
• Attention to detail, organization and time management.
• Adaptability to new demands and challenges.

Benefits

Tri Counties Bank offers a competitive total compensation package based on our pay scale, which may be modified by location and is commensurate with qualifications and experience. The hiring range for this opportunity is $31.30 to $47.00 hourly.

Pay

$31.30 to $47.00 hourly.

Schedule

N/A

Company Profile

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, with 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. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members. Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.