Umpqua Bank Relationship Specialist in San Francisco, California
In this role, you will be the primary liaison with customers and title company representatives during all phases of financing. You will work specifically on commercial C&I and real estate term loans managing and monitoring loans on an ongoing, day-to-day, and transactional basis. You will be responsible for the administration and management of the Commercial loan process, including the documentation, closing, file maintenance and data input. To do this, you will work closely with the Commercial Relationship Manager.
Set up, process, and monitor documents, and files for commercial loan package completion to meet lending specifications. Review and monitor loan documents for accuracy, completeness, and adherence to approval conditions.
Maintain files with sufficient documentation for third-party review and prepares files for timely audits.
Set up and monitor loan and financial ticklers to ensure accuracy and timeliness.
Ensure all closing conditions are met and loans are closed within time frames.
Assist Commercial Relationship Manager and underwriter in obtaining, scanning and archiving information required for underwriting a loan request. May assist Commercial Relationship Manager in ordering third party reports related to a loan request.
Review and resolve a variety of customer problems/issues regarding bank products and services.
Monitor existing loans to ensure complete conformity with terms. Follow up with customer to obtain all necessary information and clarification on financial analysis materials and resources.
Process advances of funds for payment of credit accounts at the request of the borrower or Commercial Relationship Manager. May negotiate loan-signing dates with customers and Commercial Relationship Manager. May work with attorneys and other financial or legal resources to obtain the correct, accurate documents to fully protect the financial institution's interests in the credit relationship.
Responsible for GL Certification which includes research, balancing and certification.
May perform preliminary review of property and liability insurance to ensure it complies with bank policy and procedure.
May provide customer service, administrative support and inter/intra office communication support for the department.
Independently prepare data input sheets and provide required information for loans to be boarded on the banks servicing system and ensure all loan coding is correct.
Review corporate organizational documents to determine appropriate signing authorities and responsible for confirming such entities are in good standing with applicable governmental agencies.
May perform preliminary analysis on title insurance commitment reports including title exceptions, and responsible for preparing title/escrow instructions including reviewing final title policy to ensure it complies with the title/escrow instructions and confirms that the bank's lien position is accurate.
Review property and liability insurance to ensure it complies with bank policy and procedure.
Demonstrate compliance with all bank regulations that apply to your position, and keep up to date on regulation changes.
Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations that apply to your position.
Bachelor's degree in business, finance or related discipline preferred.
3-5 year's previous commercial loan administration experience.
Must have knowledge in all areas of commercial and real estate lending including letters of credits, borrower based lending, and multiple collateral properties.
Physical Requirements and Working Conditions
lifting up to 25 pounds.
No relocation offered.
We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.
Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.