JOB SUMMARY:
Credit Support (CS) serves as the primary point of contact for all internal business partners within a lending deal team. The CS role is professional and accountable for coordinating the loan process from initial engagement through closing, as well as ongoing portfolio management and loan reviews.
RESPONSIBILITIES INCLUDE, BUT ARE NOT LIMITED TO:
• Manages and coordinates the overall loan process for the deal team(s) assigned
• Manages application workflow to prevent Reg B violations
• Responsible for the ordering and engagement of all third-party reports: Individual and business credit bureau reports, title insurance, hazard insurance, flood insurance, appraisal, and environmental reports, etc.
• Researches and reviews collateral lien positions, communicating potential issues to the deal team.
• Orders and reviews draft loan and collateral documentation to ensure they reflect the approved terms of the loan and that collateral will be adequately perfected.
• Work directly with retail staff to open client deposit accounts.
• Reviews and organizes the final loan package and submits for funding and boarding.
• Manages all document imaging throughout the loan process (origination and ongoing portfolio management)
• Gathers, organizes, and uploads electronic loan files.
• Accountable for ensuring that indexing and filing are accurate and complete.
• Completes a post-closing review of electronic loan files to ensure completeness.
• While the Regional Manager and Relationship Managers hold the primary responsibility, all deal team members are accountable.
• Participates in the ongoing monitoring of ticklers and covenants and may participate in requesting and gathering required documentation from the client.
• Participates in monitoring delinquency reporting and upcoming maturities. May participate in customer contact, gathering documentation for renewals, etc.
• Accountable for following all bank loan policies and procedures, including using required checklists, tracking logs, etc.
• Responsible for the creation and maintenance of digital files and imaging.
• Other duties and projects as assigned.
Level Primary Scope and Distinction
Credit Support I: Foundational operational execution, structured document management, and entry-level transactional support. Work complexity involves following step-by-step administrative procedures to gather, organize, and upload credit files while conducting post-closing completion reviews. Job knowledge centers on basic bank loan policies, helping prevent Reg B violations by monitoring application workflow timelines. Manages a moderate volume of loan files with support from credit support team members.
Credit Support II: Independently coordinates commercial loans from engagement through closing, acting as a critical deal team member. Advanced job knowledge with commercial lending regulations, bank lending platform, credit reporting, and third parties for appraisal, title, insurance, and environmental reports. Proactively tracking upcoming maturities, monitoring delinquency reporting, and managing application workflows to prevent compliance issues.
Credit Support III: Partners with the bank's highest-producing Relationship Managers. Independently manage a heavy volume of highly complex commercial loans without sacrificing speed or accuracy. Recognized as the team's subject-matter expert on core banking systems and loan software, they use their advanced knowledge to train and mentor junior staff. Proactive portfolio management by staying ahead of upcoming loan maturities, tickler and covenant tracking, and customer problem resolution.
SUPERVISORY RESPONSIBILITIES:
This job does not have any supervisory responsibilities.
REQUIRED KNOWLEDGE, SKILL, AND ABILITY:
• Excellent verbal and written communication skills.
• Strong analytical and problem-solving skills.
• Proficient with Microsoft Office Suite or related software.
EDUCATION AND EXPERIENCE:
High School Diploma or equivalent required. A one-year certificate from college or technical school, six months to one year of related experience and/or training, or an equivalent combination of education and experience is preferred.
PHYSICAL REQUIREMENTS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this job, the employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Bank of the Sierra is proud to be an equal opportunity workplace and is an affirmative action employer committed to equal employment opportunities regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.