Description:
Join Civista Bank as a Commercial Loan Quality Control Analyst and play an important role in maintaining the quality and integrity of our commercial loan portfolio. Based in Sandusky, this position is ideal for a detail-oriented banking professional who excels at reviewing complex commercial loan documentation, is able to identify potential policy or documentation concerns, and likes to collaborate with lenders, credit analysts, and other business partners to support efficient, compliant loan closings and servicing.
Position Purpose:
The Commercial Loan Quality Control Analyst is responsible for ensuring the integrity, accuracy, completeness, and compliance of commercial loan documentation and servicing processes. This position supports the Bank's commitment to maintaining a high-quality loan portfolio by reviewing new and modified commercial loan transactions for compliance with Bank policies, regulatory requirements, and documentation standards.
The Commercial Loan Quality Control Analyst performs detailed reviews of commercial, commercial real estate, construction, SBA, participation, and other complex loan transactions in both pre-closing and post-closing environments. The position works closely with lenders, credit analysts, loan documentation specialists, and other business partners to identify exceptions, mitigate risk, and ensure the Bank maintains its collateral and lien positions while delivering exceptional internal customer service.
Description of Duties, Responsibilities and Expectations
Quality Control and Loan Documentation Review
- Review complex commercial loan documentation and related supporting documents to ensure accuracy, completeness, and compliance with Bank policies and procedures.
- Perform quality control reviews of new and modified commercial loan transactions, including Commercial & Industrial (C&I), Commercial Real Estate (CRE), Construction, SBA, Participation, and other specialized loan products.
- Verify that loan documentation is properly executed and supports the approved credit structure.
- Identify documentation deficiencies, policy exceptions, and regulatory compliance concerns, and communicate findings to appropriate business partners.
- Ensure loan files are complete, accurate, and maintained in accordance with established Bank standards.
Compliance and Risk Management
- Maintain a strong working knowledge of commercial lending regulations, Bank policies, and industry best practices.
- Review loan files for compliance with applicable federal and state lending laws and regulations.
- Identify and escalate policy deviations, documentation exceptions, and risk-related concerns to management as appropriate.
- Support internal audits, regulatory examinations, and compliance reviews by providing accurate information and documentation.
- Assist in maintaining strong internal controls that protect the Bank's assets and collateral interests.
Collateral and Exception Tracking
- Monitor and track outstanding loan documentation, collateral exceptions, and post-closing requirements.
- Ensure collateral documentation is perfected and the Bank's lien position is properly established and maintained.
- Research and resolve documentation and collateral-related issues in a timely manner.
- Follow up with internal and external stakeholders to obtain required documentation and clear exceptions.
Business Partner Support
- Develop and maintain effective working relationships with lenders, credit analysts, administrative assistants, loan documentation specialists, and other internal business partners.
- Provide guidance regarding documentation requirements, available loan document options, and quality control expectations.
- Respond promptly to requests for information, assistance, and clarification regarding loan documentation matters.
- Deliver professional, courteous, and knowledgeable service while helping business partners navigate complex commercial loan transactions.
Process Improvement and Operational Excellence
- Embrace continuous improvement initiatives that enhance efficiency, accuracy, and effectiveness within Commercial Loan Operations and Quality Control.
- Recommend process enhancements that strengthen documentation quality, reduce risk, and improve overall workflow efficiency.
- Participate in departmental and cross-functional projects designed to improve operational performance.
- Assist with additional loan operations responsibilities and special projects as assigned.
Customer Service
- Provide accurate, efficient, courteous, prompt, and professional service to both internal and external customers.
- Research customer inquiries and assist in resolving issues and complaints in a timely and effective manner.
- Promote positive customer relationships through proactive communication and responsiveness.
- Maintain confidentiality of customer and Bank information at all times.
Qualifications, Knowledge and Skills
- Bachelor's degree in accounting, finance, business administration, or a related field preferred; equivalent experience may be considered.
- Minimum of 3-5 years of commercial loan processing, loan operations, quality control, audit, compliance, credit review, financial analysis, or related banking experience.
- Strong working knowledge of commercial lending operations, loan documentation, and collateral requirements.
- Knowledge of Commercial & Industrial (C&I), Commercial Real Estate (CRE), Construction, SBA, and Participation loan products.
- Understanding of applicable federal and state lending regulations and compliance requirements.
- Ability to analyze complex loan documentation and identify documentation deficiencies and policy exceptions.
- Strong attention to detail with a high degree of accuracy and organization.
- Advanced time management and multi-tasking capabilities with the ability to meet deadlines in a fast-paced environment.
- Excellent verbal and written communication skills.
- Strong interpersonal skills with the ability to build relationships and work collaboratively across departments.
- Proficiency with Microsoft Office applications, including Excel, and other banking and loan operating systems.
- Ability to maintain confidentiality and exercise sound judgment when handling sensitive information.
- Demonstrated commitment to teamwork, customer service, accountability, and continuous improvement.
Physical Requirements
- Work involves eye strain due to the frequent use of computer screens, review of loan documents, reports, and electronic records.
- Work involves prolonged periods of sitting and concentration on detailed documentation and data analysis.
- Ability to work effectively under deadlines and with frequent interruptions.
- Work may involve lifting and moving loan files or related materials weighing up to 20 pounds.
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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