Middle Office Loan Administrator - San Diego, Irvine, CA

California Bank & Trust
San Diego, California
Jul 01, 2024
Jul 17, 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 looking for a seasoned Middle Office Loan Administrator in San Diego or Irvine, CA. This role focuses on managing the loan documentation and closing process for commercial, business or commercial real estate loans.

Essential Functions:

  • Manages the documentation review and loan closing process for commercial, business or commercial real estate 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.
  • Represents the organization with clients and outside agencies.
  • Reviews and comprehends complex loan documentation, loan terms and financial elements for accuracy and consistency with the Credit Approval.
  • Ensures documents are prepared in compliance with credit policy, documentation standards and regulatory requirements.
  • Identifies potential risks and provides solutions.
  • Responsible for ensuring waivers or deviations from policy are adequately documented.
  • Instructs attorney to prepare loan documents in accordance with credit approval and bank's requirements.
  • Interacts with clients, collecting, reviewing and distributing due diligence items necessary for a loan closing.
  • Actively negotiates and coordinates 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.
  • Assists RM with clarification of legal, policy and documentation issues requiring adjustments.

  • Confirms budget, escrow closing statement 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.
  • May train and mentor lower-level loan closers.
  • Other duties and/or projects as assigned.


  • Requires a bachelor's degree in Business, Finance or a related field and 8+ years of commercial, business or commercial real estate documentation/closing experience required, including 4+ years' experience reading and interpreting loan and legal documentation or other directly related experience. A combination of education and experience may meet requirements.
  • Extensive knowledge of commercial, business or commercial real estate loan closing processes and procedures, lending compliance and regulations, loan systems and loan documentation.
  • Expert knowledge of loan principles and processes.
  • Ability to read and interpret very complex loan and legal documentation.
  • Extensive knowledge of construction due diligence and risk management.
  • Excellent analytical and research skills.
  • Must be accurate, detail oriented and have ability to multi-task.
  • Must have excellent problem resolution, audit, customer service and communication skills, both verbal and written.
  • Ability to train and mentor to less experience loan administrators/closers.
  • Demonstrated ability to utilize sound judgment and work under limited supervision.
  • Ability to communicate effectively with clients, RM's internal/external legal counsel and credit management.
  • Excellent 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 $71,000 - $113,000 annually depending on job-related factors such as level of experience.

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