Mechanics Bank

Advisor

• Provide support to the Sr. Lending Advisor Team, by providing assistance with complex transactions
• Act as a first level support function for the Sr. Lending Advisor and sales team to assist and support with any and all inquiries
• Responsible for assisting assigned Sr. Lending Advisors
• Monitor and manage loan pipeline, track progress and ensure timely loan milestones and loan contingencies are met and supporting documents are collected
• Work on loan conditions alongside with Sr. Lending Advisors
• Assist Sr. Lending Advisors by providing input and guidance in case of workflow uncertainties, clarify processes and procedures as needed
• Facilitate effective communication between sales and operations teams
• Supports Sr. Lending Advisors and Sales team as necessary with customer contact to follow up on conditions, status on milestones, docs, funding’s and closings
• Coordinates processes and follows through to completion of other lending related products and services, such as deposit accounts, trusts, treasury products, etc., as directed by the Mortgage Leadership team
• Work on special projects and deliverables as directed by the Mortgage leadership team such as strategic initiatives and operational improvements

Lending Advisor Associate

Events

• Researches potential fraud and communicates possible solutions.
• Verify potential fraud On Us Checks, Deposit and ACH as identified in the Bank’s Fraud Detection System identifies high risk transactions with customer and/or business portfolios.
• Communicates fraudulent transactions with Management.
• Notify branch operations on any questionable items to obtain approval.
• Review and identify any unusual or suspicious activity to determine any potential losses.
• Monitors customer and transactional records to identify unauthorized transactions and fraudulent accounts.
• Ensure confidentiality of all information collected during investigations.
• Maintain all Fraud Logs up to date for management and accounting purposes.
• Track and retain return data for future reference and reporting.
• Interacts with the bank and customers to validate information and confirm or cancel authorizations.
• Monitor status of Online Interfaces to ensure all communications lines are functional and resolve any problems with appropriate vendors.
• Perform end-of-day balancing with Federal Reserve, Core Deposits system, and foreign exchange correspondent relationship.
• Research and resolve wire validation errors.

Senior Fraud Prevention Analyst

Administration

• Responsible for assisting Sr. Loan Administrators with the closing of loans involving the full range of multifamily loans and commercial banking loans
• Assists with relationship managers, underwriters, outside counsel, and title insurance companies to ensure compliance and resolve issues
• Coordinates all aspects of loan closing.
• Accurately scan complete loan files into Director system, within timeframe of procedures
• Assists with closing of loans involving multifamily loans, commercial real estate (CRE), commercial and industrial (C&I) and other commercial loans
• Works with other Loan Administrators, Relationship Managers, Underwriters, internal and outside counsel, title insurance companies and insurance companies to ensure compliance and resolve issues
• Assists with setting up new loan files and orders third party reports including appraisal, environmental, and title reports
• Assists and works closely with Loan Administrator’s and Loan Origination team to analyze borrower, guarantor and collateral information to verify legal entities, collateral ownership and proper loan structure to protect the Bank’s interest
• Assists with document review of accuracy, completeness and maintains loan files; assembles materials for audits, assists in related department projects
• Assembles materials for closing, coordinates all aspects of the closing, and ensures adherence to covenants and conditions of the loan documents
• Coordinates loan administration processes with relationship managers/lenders and the Loan Operations (Loan Boarding)
• Complies with all applicable regulations, policies and procedures regarding the security, confidentiality and privacy of non-public personal information about customers and consumers, including, but not limited to the GrammLeach-Bliley Act (GLBA), corporate security policies and departmental procedures

Loan Administrator

Account Manager

• Manages a portfolio of middle-market client relationships with moderate complexities in financial analysis, underwriting, or structuring and/or representing an industry concentration requiring industry expertise
• Monitors the relationship to ensure ongoing credit quality and compliance with loan terms
• Initiates and oversees fulfillment of the end-to-end processes for loan renewals and modifications
• Initiates appropriate and timely actions for any defaults to loan covenants or conditions of approval
• Calls on new and existing clients to create and maintain a robust pipeline of new business; initiates or strengthens assigned banking relationships and identifies and acts on opportunities to expand the relationships
• Monitor for competitive information and take appropriate action if necessary to retain client relationships
• Provides suitable advice and counsel to existing and potential customers
• Studies industrial, commercial, economic and financial situations relating to the business to offer advice, if appropriate
• Prepares quality credit presentations of moderate to significant complexity, justifying the credit request that is supported with comprehensive financial and non-financial analyses, appropriate identification of risks and risk mitigations, and structuring and pricing consistent with Bank policies and guidelines
• Mentors and assists credit analysts, underwriters, and less experienced relationship managers in appropriate structuring of credit requests to best meet client needs while adhering to Bank policies and risk profiles
• Participates in industry, civic, and community events to build a network of referral sources and to generate business leads
• Supports the Bank's Brand and mission internally and externally
• Supports Brand awareness through marketing efforts and community outreach
• Must be able to travel throughout bank’s footprint to perform required duties (10-20%)