Commercial Loan Quality Control Analyst

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.

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 : Qualifications,

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.

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.

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