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Loan Operations
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California Bank & Trust
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064215 Requisition #

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.       

  

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.    

We are looking for an experience Commercial Lending Middle Office Loan Closer in La or Irvine, CA. This position focuses on reviewing and closing commercial real estate and business loans. This position is remote, but we are specifically looking for candidates who are based in the Los Angeles (LA) or Irvine, CA area.

Essential Functions:  

  • Responsible for loan documentation review and closing process for commercial real estate, commercial or business loans.   
  • Works directly with relationship managers (RM), along with the borrower, legal counsel, title companies, insurance agents, and vendors to ensure closing requirements are met and necessary due diligence is obtained.   
  • Reviews and comprehends moderately complex loan documentation, loan terms and financial elements for accuracy and consistency with the credit approvals.   
  • Ensures documents are prepared in compliance with credit policy, documentation standards and regulatory requirements.   
  • Responsible for ensuring waivers or deviations from policy are adequately documented.   
  • Works with attorneys to ensure loan documents are prepared in accordance with credit approval and bank's requirements.   
  • Interacts with clients, collecting, reviewing and distributing due diligence items necessary for a loan closing.   
  • May coordinate loan documents with Legal counsel.   
  • Notifies the RM, attorney and client of items missing items or required corrections and ensures attorney closing checklist is accurate.   
  • Confirms budget, escrow closing statements and bank settlement statements are in balance, ensuring fees and expenses are accounted for and outstanding items are identified.   
  • Ensures appropriate approval and/or waivers and exceptions are obtained.   
  • Other duties and/or projects as assigned.  

 

Qualifications:  

  • Requires a High School degree or Equivalent and 4+ years of loan documentation, closing or other directly related experience; preferably with Commercial, CRE or Business lending documentation and/or closing. Some experience reading and interpreting loan and legal documentation required. A combination of education and experience may meet requirements.   
  • Proficient knowledge of loan documentation, specifically with commercial, business or commercial real estate lending documentation/closing.   
  • Working knowledge of general loan documentation, loan closing processes and procedures, lending policies, compliance and regulations.   
  • Ability to read and interpret moderately complex loan and legal documentation.   
  • Knowledge of construction due diligence and risk management requirements.   
  • Solid analytical and problem-solving skills. Must be accurate, detail oriented and have ability to multi-task.   
  • Must have solid audit, customer service and communication skills.   
  • Solid computer skills including various word processing and spreadsheet software.  

 

Benefits:  

  • Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE!   
  • 401(k) plan, competitive compensation in line with work experience.   
  • Most roles eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements  
  • Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within  
  • Tuition Reimbursement for qualifying employees  
  • Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices. 

This position is eligible to earn a base salary in the range of $70,000 - $93,000 depending on job-related factors such as level of experience. This position also can earn incentives on a quarterly basis. Earn more through performance.

This position will be open until filled.

 

To review our Benefits Summary click here.

 

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

 

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

 

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

 

Click here to view our EEO Statement.

 

Click here to view applicable Federal, State and/or local employment law posters.

 

Click here to view our Pay Transparency Notice.

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California Bank and Trust a division of Zions Bancorporation, N.A. Member FDIC