Retail Banking Loan Specialist

Mechanics Bank is currently searching for a Retail Banking Loan Specialist to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site at our Walnut Creek or Bakersfield office.

Participates on a team led by the Loan Administration Manager to support Retail teams, as assigned, to provide sales, administrative process, and relationship management support. The incumbent will assist with direct and proactive client outreach and collaboration with Retail teams to identify additional opportunities within the client relationship. Time will be spent managing the process and completion of loan packages from application through funding to ensure expeditious processing and client experience. In addition, the remaining time will be spent functioning as a central point of contact for internal business partners and clients, supporting Bank processes, products and services, and loan processes in order to deepen client relationships and ensure a positive total experience.

What you will do:

• Responsible for assisting Branches with an existing portfolio of business clients, including the outreach and review of transactions for opportunities to expand the current/existing portfolio.

• Manages and coordinates the loan process, from initial engagement through post-funding. Works directly with Branch Personnel, Processing team, Underwriters, Credit Administration, and Loan Services to ensure compliance and resolve issues. Responsible for ensuring Underwriting guidelines, compliance requirements and regulatory requirements are met.

• Contacts customer as necessary to obtain required information and/or documentation and assists with resolving client-based needs pertaining to transactions. Including but not limited to Collecting, Organizing and Reviewing the Loan Package, Financial Statements and Tax Returns, Insurance, CIP, and Legal Documentation. Ensures that all required activities are met within established timeframes.

• Review and analyze financials and loan package for completeness prior to submitting to Processing Team and Underwriting Team for review. Review changes in ownership, and ensure the banks loan package is complete and accurate according to the financials received.

• Additional duties may include but are not limited to:

• Training branch personnel on loan products, financial requirements, etc.

• Support Branch Personnel to leverage cross-selling and deepen opportunities within existing customer relationships, bank partners and other sources.

• Responsible for reporting efforts to clear delinquent and past due/matured loans.

• Orders payoff demands as needed.

• Organizes and uploads documents into Bank systems.

• High School Diploma or GED is required.

• Minimum of 3 years experience in a relevant financial or lending industry is required.

• MS Office Suite applications systems; lending-related systems

• Possess excellent human relations, communications and business writing skills.

• Ability to work effectively without direct supervision.

• Possess effective time management and organizational skills.

• Demonstrates teamwork in facilitating workflow.

• High level of cooperation with others and is responsive to the Bank's needs.

• Exemplary motivation, enthusiasm, professionalism and team skills.

• Demonstrates excellent customer service skills.

• Ability to cope with pressure resulting from meeting required deadlines, reporting requirements and training responsibilities.

• Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information.

• Ability to travel between bank and customer locations and/or commute for training purposes.

• Retail lending experience in a similar environment.

• Must have current knowledge of Retail Lending Experience with retail lending policies, practices and applicable banking/government regulations.

• Valid Driver's License required or available transportation.

• Willing to embrace client outreach and consultative sales practices.

• Thorough knowledge of Bank operational policies and procedures, compliance regulations, and Bank product and services.

• The ability to effectively resolve employee and customer relations issues.

Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data.

• Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.

• Please view Equal Employment Opportunity Posters provided by OFCCPhere.

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