Real Estate Loan Administrator - Irvine, CA

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 a Real Estate Loan Administrator in Irvine, CA. This role focuses on securing the accuracy and compliance of our real estate transactions from loan approval to funding. By meticulously reviewing due diligence—including surveys, title reports, and settlement statements—and partnering directly with borrowers, attorneys, and closing agents, you will safeguard bank policies and drive a seamless transition from loan closure to active disbursement. 

Primary Job Duties: 

Loan Documentation & Review:

Borrower name is correct, and spelling is correct

Interest rates, dates, dollar amounts are all correct

Covenants are worded correctly and match approved Credit Presentation (“CP”) (this is a team effort with Middle Office)

Complete a final review of covenants in Credit Lead to ensure analyst has built the covenant correctly and property tied them to the transaction.  

Loan Terms throughout the CP Narrative, Loan Documents, and Credit Lead/Face Pages must all match

Guarantor Information is correct, and amount of guaranty matches approved CP

File all loan documents into O Drive under the Legal Docs sub directory for all active & new loans

Credit Lead Input:

Input new deals in Credit Lead

Confirming/Obtaining Beneficial Ownership Information

Creating new profiles in Credit Lead as needed

Update Credit Lead with Borrowing Entity Information

Track and submit exceptions in Credit Lead for items needed prior to closing

Image documents to the correct levels in Credit Lead

Cancel/withdraw loans as needed

Monitor Loans for Reg B Compliance:

Monitor for new deals

Input any updates from RM

Process extension &/or additional request letters

Sending reminders to RMs as Reg B approaches

Address upcoming deadlines in Pipeline Meetings bi-weekly

Inputting Reg B memos, information, and documents into Credit Lead

Loan Closing/Working with Loan Closers:

Collect W-9 for new Borrowers/Co Borrowers (Not needed for Guarantors)

Collect W-9 for funding if we are funding to anyone other than our Borrower

Reach out to Middle Office when a closer is needed

Work with Middle Office closer on items needed for closing

Keep closers, underwriters, and RMs in the loop on all emails

Help coordinate signatures on loan documents from RMs and borrowers as needed

Scan, image, and send original signatures to their final destination
(i.e. middle office, attorney, title, etc.)

Create Sharefile folders, and pull documents from Sharefile as needed

Review monthly insurance report and obtain necessary items to clear

Process attorney fees in Counsel Link

Process pre-documented Auto Extensions

Review booked loan in BANCS for accuracy

Work with accounting to process fees for canceled/withdrawn loans

Gather fees, provide wiring instructions, submit MIT requests, etc.

Post-Closing Duties:

Review Post-Closing exceptions and obtain necessary items to clear prior to first draw

Update list as items are cleared and add new items from new closings

Appraisal & Environmental Duties:

Submit RIMS requests for Appraisal and Environmental bids/services

Send bids received to RMs

Select bids when needed

Work with the RIMS department to obtain and upload necessary information

Track progress and download reports when completed for RM

Miscellaneous Tasks:

Prepare and send Good Faith Deposit Instructions/Invoice

Update “Know Your Customer” for all borrowers and related entities

Work with CORD, as needed

Order O&E (Attorneys will order Title Commitments for New Loans)

Requesting floods or recertifying

Pull past-due loans report weekly and work with correct parties to bring loans to current

Provide monthly loan statements as requested

Prepare invoices as needed

Make payments once received

Attend monthly SME meetings for loan assistants

Attend Credit Analyst meeting to provide any important updates from SME meeting

LIBOR Cessation Project – Convert loans off of LIBOR to SOFR or BSBY

Assist with customer questions as they reach out

Process MIT requests

When working with Lenders on Pipelines she will remind them to obtain John’s approval for engaging attorney’s prior to closing

System Utilized:

Credit Lead

Bancs

MIT

XNet

Aviva

Counsel Link

Sales Force

Power BI

Sharefile

RIMS

FedEx

DebtX

SyndTrack

Land Title Ordering

Qualifications: 

• Requires a bachelor's degree and 2-4+ years of residential and commercial loan processing, documentation or other directly related experience. A combination of education and experience may meet qualification.  

• Basic knowledge of lending procedures, documentation and systems.  

• Limited use and/or application of basic Real Estate loan administration principles, theories, and concepts.  

• Good interpersonal and communication skills, both verbal and written.  

• Good organizational, problem solving and analysis skills.  

• Ability to meet deadlines and multi-task.  

• Requires good time management skills. Knowledge of compliance with federal and state regulations pertaining to the banking industry.  

• Sound judgment and decision-making ability.  

• Personal computer skills including MS Office, including word processing, spreadsheets. 

Benefits:  

• Medical, Dental and Vision Insurance - START DAY ONE!   

• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance  

• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts 

• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays 

• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience  

• Mental health benefits including coaching and therapy sessions 

• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire 

• Employee Ambassador preferred banking products 

This position is eligible to earn a base salary in the range of $82,000 - $108,000 annually depending on job-related factors such as level of experience.