JOB POSITION POSTING
Senior Commercial Loan Analyst

Opening: Full-Time

Job Title: Senior Commercial Loan Analyst

Location: Rancho Cordova

DUTIES & RESPONSIBILITIES:

  • Provide an extraordinary experience for Clients of American River Bank (internal and external) while exhibiting professionalism, confidentiality and the desire to assist.

  • Provide support to commercial banking team members as directed Provide support to Credit Administration members as directed.

  • Research Loan Client service inquiries and problem solve, as needed.

  • Scan financial documents for new and renewed loans into electronic data system (AccuLoan) and organize these documents to create electronic loan files.

  • Assist in the monitoring of financial covenants.

  • Assist in securing all required financial documents and analyzing financial data to determine the merits of specific loan requests.

  • May train or assist more junior Commercial Loan Analysts or other team members.

  • Prepare letters requesting client financial information and other correspondence.

  • Update and maintain integrity of financial tracking system.

  • Responsible for completion of Late Financial Reporting Letter process.

  • Order reports, such as business and personal credit reports, prelims, flood certifications, environmental reports, appraisals, and construction inspections.

  • Open escrows, prepare escrow instructions, and request & review loan documentation.

  • Review, prepare, and accurately monitor loan advances, including approved Construction Loans.

  • Adhere to applicable regulations and policies including but not limited to: Fair Lending, Equal Credit Opportunity, CRA, Flood Insurance, RESPA, HMDA and BSA.

  • Prepare various reports by using Microsoft applications, such as Excel, and Word (weekly, monthly, quarterly, and annually).

  • Package and upload documents related to Site inspections.

  • Back up other department personnel as necessary.

  • All other duties as needed or assigned.

REQUIRED SKILLS, CHARACTERISTICS AND ABILITIES

  • Proven ability to work in a fast paced environment with desire to be part of an excellent team with extraordinary client service skills.

  • Excellent verbal and written communication skills with attention to detail.

  • Must be flexible in ability to accommodate multiple tasks, exhibiting organizational and time management skills.

  • Must possess proficient PC skills, including Windows, Word and Excel and the ability to adapt quickly to various word-processing, spreadsheet and other software programs.

  • 5+ years of experience in a commercial lending work environment.

  • A basic understanding of commercial loan documents.

The above description is not all-inclusive and American River Bank may change or modify this or any position as may be necessary.

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