Middle Office Loan Closer - Los Angeles or Irvine, CA

California Bank & Trust
Los Angeles, California
Jun 19, 2024
Aug 22, 2024
Full Time
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 seeking an experienced Commercial Lending Middle Office Loan Closer for our La or Irvine, CA location. This role involves reviewing and finalizing commercial business loans focused on the Middle Market Clients within the Los Angeles or Irvine area . The ideal candidate should have hands-on experience with both C&I and CRE loan closings in a fast-paced environment.

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.


  • 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.


  • 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.

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