Commercial Loan Quality Control Analyst en Civista Bank

Description

Position Purpose:

This position is responsible for ensuring the Bank maintains a sound loan portfolio ensuring compliance with all state and federal laws and regulations and Civista Bank lending policies and procedures. The Analyst will review a variety of new and modified commercial loan types in this role – C&I, CRE, SBA, Participations, Swap, and others. Additionally, the Analyst will review documentation for accuracy, completeness, and compliance in both pre-close and post-close while promoting and maintaining a positive internal and external customer relationship.  

Key Accountabilities and Expectations:

• To maintain regular contact and proper escalation with the Commercial Quality Control Supervisor regarding the status of loans in process, audit requests.
• Reviews complex commercial loan documentation and related supplements to support business partners, ensuring accuracy and adherence with Bank loan policy and guide.
• Determines document options and presents options to lenders/documentation specialists as applicable.
• Embraces change and continuous improvement concept, constantly looking to improve both efficiency and effectiveness of the Quality Control team and their processes.
• Responds to all requests for information and assistance in a prompt, efficient and friendly manner by relaying information as requested, and follows up on all situations that cannot be handled immediately. Resolves complaints in a reasonable timeframe. 
• Maintain a good working knowledge of all Bank policies and procedures and identify deviations from policy, escalating as appropriate to the Commercial Quality Control Supervisor. 
• Develop deep relationships with business partners, including Lenders, Credit Analysts, and Administrative Assistants to ensure optimal efficiency and effectiveness regarding services provided.
• To provide accurate, efficient, courteous, prompt, and professional telephone service to all customers and potential customers.
• To research, respond to customer inquiries and resolve customer complaints/issues in a timely and effective manner.
• To ensure loan documents and files are complete, accurate and in accordance with Bank loan policy.
• To track all outstanding loan documents/collateral items to ensure Bank’s lien position is obtained.
• To assist with additional loan operation roles, as requested or necessary.

Requirements

Qualifications, Knowledge and Skills:

• 3-5 years of related loan processing experience and/or training; or the equivalent combination of education and experience.  
• Work related experience should consist of Audit, Legal, Compliance, Financial Analysis, Credit Review, or similar fields.
• Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Bachelor’s degree in accounting, business, finance, or equivalent experience.
• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a sensitive nature. Outside contact becomes important and fostering sound relationships with other entities (customers, vendors, etc.) becomes necessary.
• Solid working knowledge of banking industry practices relative to bank loan operations with respect to loan products, services, and terminology.
• Knowledge of commercial, construction, real estate and consumer loan products and processing.
• Knowledge of related state and federal lending and compliance laws and regulations, and other Bank lending policies.
• Highly accurate data entry skills and strong level of skill working with a variety of PC and internet applications, including spreadsheets (creating formulas) and the ability to navigate key industry specific Internet sites.
• Strong multi-tasking, time management, thoroughness, and accuracy skills required.
• Solid communication and organizational skills with focus on teamwork and cooperation.
• A high level of confidentiality is required.
• Ability to work under deadlines with frequent interruption.

Physical Requirements:

• Work involves eye strain due to the constant use of computer screens, reading of reports, and sitting the majority of the day.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
• Work involves lifting and moving loan files of up to 20 pounds.