Commercial Loan Quality Control Analyst

Job Description

Job Description

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 :

Physical Requirements :

EOE - Race / Sex / Disability / Veteran

This Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.