Loan Administrator Team Lead

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

Under limited supervision, provide daily support, guidance, and assistance to the Loan Administration team. Responsible for preparation and review of loan file packages for difficult to highly complex loans and trade products approved within Citizens Business Bank. Ensure that the loan file complies with bank policy and that the document request package and/or executed document package are complete to minimize the risk of loss to the bank. Ensure the timely disposition and control of legal documentation, collateral and documentation records in a manner that complies with bank policy and minimizes the risk of loss to the bank. Maintain the integrity of all information related to the documentation process for privacy, reporting and audit purposes.

ESSENTIAL DUTIES AND RESPONSIBILITIES

* Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job.

* Provide direction, guidance, and coaching to the Loan Administration team on loan file and documentation requests to ensure the loan files comply with regulatory requirements, as well as, Bank policies and procedures.

* Perform the Quality Control function to ensure loan files are completed with accuracy and consistency

* Gather and review documents to create a loan file and request loan documents for the following loan products from low to high complexity: (a) Commercial Loans, including but not limited to: commercial RE secured loans, construction loans, 1031 Exchange, commercial loans/lines of credit, asset based loans, dairy loans, agriculture loans, SBA loans, SWAPs, participations/syndications, letters of credit, leases, workout loans, loans involving use of outside counsel, Business Bonus Balance and (b) Consumer Loans, including but not limited to : residential mortgage, construction loans, Home Equity loans/lines, unsecured, vehicle loans, aircraft loans, boat loans, cash/marketable securities/investment account secured loans, leases.

* Run and review UCC Search

* File UCC filings

* Coordinate efforts with outside escrow

* Coordinate efforts with title company

* Run and review flood certifications

* Request and review insurance, if applicable

* Review loan approval based on previously assigned authorized authority.

* Post-execution review of all loan documentation packages.

* Send wire transfers for loan funding if applicable

* Prepare and review funding instructions

* Coordinate perfection of collateral with third parties

* Track for return of collateral documents.

* In conjunction with Loan Administration Manager and Loan Documentation, Title and Boarding Manager, assist with training the Loan Administration Team as new regulatory requirements are implemented.

* Provide, present, and promote the Citizens Experience to all external and internal customers.

* Other duties as assigned.

SUPERVISORY RESPONSIBILITIES

This job has supervisory responsibilities and will supervise the daily workflow and will supervise associates in the absence of the Department Documentation Manger.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High School diploma or GED; and a minimum 5-7 years commercial and consumer loan processing/administration experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to read, analyze, and interpret financial reports and legal documents. Ability to effectively present information to department management, credit administrators, legal counsel, public groups, boards of directors and/or relationship managers.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages. Ability to apply concepts of basic algebra and geometry, and interpret bar graphs.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

COMPUTER & SOFTWARE SKILLS

Proficient in MS Office (Word, Excel). Knowledgeable of mainframe loan systems, FISERV preferred.

CERTIFICATES, LICENSES, REGISTRATIONS

None

OTHER SKILLS and ABILITIES

* Familiar with standard U.S. commercial, consumer and real estate lending policies

* Familiar with standard U.S. note department workflow

* Knowledge of U.S. federal and California state banking laws and regulations related to lending

* Personal success factors include:

o Team player

o Sets high standards for self and team

o Adapts well to changes

o Strong can do attitude

o Takes the initiative

o Ability to work under pressure

o Attention to detail

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear. The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel. The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl. The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms. The associate must occasionally lift and/or move up to ten (10) pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Salary Range: $73,770 To $103,278

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.