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About the Role

The Senior Documentation Specialist performs final reviews of commercial loans to ensure compliance with statutes, regulations, and bank policies. This role involves documenting and reviewing complex loans, analyzing loan structures to mitigate risk, and working with outside counsel on transactions. The specialist also serves as a subject matter expert, answering questions regarding loan documentation and software, and updating forms and procedures.

Responsibilities

Provides guidance and advice as subject matter expert on commercial documentation compliance, entity structure, collateral, title, recording & perfection, and risk mitigation issues.
Engages and clears conflict checks with outside counsel, liaising between outside counsel, Legal, and Credit to ensure document integrity.
Prepares ancillary documents to support those provided by outside counsel.
Prepares documents in Laser Pro (D&H) for out-of-state transactions according to bank policy, converts to legal edit, and sends to counsel for review.
Reviews additions and makes changes to documents via legal edit through Laser Pro (D&H).
Works with internal and external counsel and the credit team to ensure document integrity prior to customer signature.
Prepares and reviews subordination of debts, severance and consents, and intercreditor agreements.
Provides support and acts as a resource for complex matters for the documentation team, credit, CLSOs, and lenders.
Identifies risks and makes recommendations based on specific loan transactions and requirements.
Analyzes proposed loans and modifies loan structures and requested documentation to mitigate Bank risk and loss.
Ensures proper loan and collateral documentation by staying abreast of and interpreting various laws, compliance regulations, policies, and procedures.
Prepares complex loan documentation completely and accurately consistent with approval terms and conditions.
Ensures adherence to commercial credit policy, Bank underwriting guidelines, and regulatory and compliance requirements.
Works with branch personnel, title company, appraisal, and credit admin to address problems discovered during file review.
Prepares credit documentation summary for attorney/administration for final decision/action.
Coordinates assistance from inside/outside legal counsel where appropriate.
Performs substantive legal or factual research as needed.
Performs secondary reviews of all documentation drawn by other documenters.
Reviews and analyzes counsel/borrower requests for modifications to existing/proposed documentation and/or requested ancillary documents.
Partners with Legal, Credit Administration, Compliance, Risk Management, and Audit to complete projects or update processes and procedures.
Writes and updates procedures as needed.
Acts as a regulatory point of contact for the documentation department.
Provides training to all documentation personnel.
Handles special projects as delegated by management.
Develops and revises forms as needed.
Works with compliance officer on lending compliance issues and is a member of the Compliance Team.
Prepares or reviews Estoppels, Severance and Consent, Landlord Waivers, and/or Subordination and Non-Disturbance Agreements.
Reviews and analyzes borrower entity structure, including Operating and/or Partnership agreements, to determine and confirm signers.
Tracks and maintains annual crop assignments for agricultural loans.
Remains current on documentation issues.
Maintains and tracks the Bank’s letter of credit portfolio.
Acts as an authority on legal entities and related documentation.
Is an expert on collateral, title, and flood insurance issues.
Maintains a comprehensive knowledge of all aspects of the commercial lending process.
Is familiar with a variety of credit-related concepts, practices, and procedures.
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws.
Exhibits extraordinary attention to detail, organization, and time management.
Adapts quickly to new demands and challenges.
Performs other work-related duties as assigned.

Requirements

High school diploma or GED required.
Comprehensive knowledge of banking and commercial credit structures and documentation.
Excellent written and verbal communication skills.
Excellent organizational skills and the ability to work in a fast-paced environment.
Ability to utilize computer applications associated with the Bank’s software for documentation and main operating systems.
Strong process-oriented skills with an emphasis on coaching and motivating.

Skills

Commercial loan documentation
Compliance
Risk mitigation
Loan structure analysis
Legal document review
Laser Pro (D&H)
Intercreditor agreements
Subordination of debts
Severance and consents
GLBA Privacy
Regulation B
Fair Lending
BSA
OFAC
Suspicious activity reporting
Agricultural loans
Construction loans
Entity structure analysis
Collateral
Title
Flood insurance
Letter of credit portfolio management
Legal entities
Commercial lending process
Credit analysis
Bank Secrecy Act (SARs, CIP, OFAC)
Information Security (GLBA)
Identity Theft Red Flags
Financial Elder Abuse Reporting

Location

Chico, California
Roseville, California
South San Francisco, California
Bakersfield, California

Work Type

Full-time

Experience Level

Senior
Substantial commercial loan experience

Education Level

High school diploma or GED
Undergraduate degree or equivalent work-related experience
Paralegal experience in transactional law practice desirable

Salary/Compensations

$31.30 to $47.00 hourly along with incentive opportunities

About the Company

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability.
Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.
As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments.
Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members.

Equal Opportunity

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.