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 Senior level Construction Commercial Disbursement Specialist to provide top notch customer service to our clients and customers in Irvine, CA.  This role focuses on reviewing, analyzing and processing customer loan draws for commercial and residential construction projects, loan fund disbursements, and equity draws. 

The ideal candidate will have the skills and experience necessary to:  

• Responsible to review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.  

• Prepare payoff quotes, credit bids, default letters and loan modifications.  

• Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.  

• Administer participation loans, coordinate with participating/lead bank(s).  

• Order, input, and review inspection reports.  

• Updates and maintains various reports and ticklers for loan maintenance.  

• Assists with and may serves as liaison with lenders, loan administration, and outside vendors.  

• Monitors and may process interest rate changes.  

• Reviews loans for past due status, insurance coverage, tickler exceptions, etc.  

• Ensures loan administration is consistent with loan documents, bank and department policies and procedures.  

• Other duties as assigned. 

Qualifications:  

• Requires High School Degree or Equivalent and strong experience with commercial, residential, real estate, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience. A combination of education and experience may meet job requirements.  

• Must have strong commercial construction experience

• Strong knowledge of construction disbursement processes, procedures and loan documentation.  

• Must be accurate, detail oriented and able to multi-task.  

• Must have good audit, problem solving, data entry and customer service skills.  

• Good time management and organizational skills.  

• Ability to review and process data per loan documentation.  

• Strong  knowledge of standard construction budget and loan servicing practices and techniques.  

• Strong  communication skills, both verbal and written.  

• Basic knowledge of computer software programs such as word, excel, etc. 

Benefits:   

• Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE!  

• 401(k) plan, competitive compensation in line with work experience.  

• 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 $17 to $28.00 hourly depending on job-related factors such as level of experience and location

About Zions Bancorporation

Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.

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