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Civista Bank · 4 days ago

Commercial Loan Quality Control Analyst

Sandusky, OH

Full-time

Onsite

Mid Level

3+ years exp

Civista Bank is focused on maintaining a sound loan portfolio while ensuring compliance with laws and regulations. The Commercial Loan Quality Control Analyst is responsible for reviewing various commercial loan types and documentation for accuracy and compliance, while fostering positive relationships with internal and external customers.

BankingFinanceFinancial Services

Responsibilities

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

Qualification

Loan processing experienceLending lawsBanking industry practicesFinancial analysisData entry skillsMulti-taskingCommunication skillsOrganizational skillsTime managementConfidentiality

Required

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