Mechanics Bank

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%)

Relationship Manager

QA Engineer

• Collect and validate mortgage loan data to ensure accuracy and completeness in accordance with HMDA requirements
• Perform risk analysis, data integrity and make decisions regarding deficiencies identified during the review process
• Review and analyze mortgage applications, credit reports, appraisal, income and asset documents to determine accuracy and completeness per guideline requirements
• Ensure that deficiencies captured during the review process are corrected and clearly documented providing a thorough audit trail
• Conduct Pre-funding and Funding reviews of all types of residential loans (Conventional, FHA & VA) and be responsible for ensuring that loans originated are in compliance with Bank’s and investor requirements as set forth in the Bank’s Quality Assurance Pre-Funding and Funding Policies and Procedures
• Prepare and submit HMDA reports to Compliance team, ensuring timely and accurate submissions
• Monitor and review loan files for HMDA compliance, identifying and addressing any discrepancies or issues
• Provide training and support to internal teams on HMDA requirements and best practices
• Assist Compliance team with related questions, providing necessary documentation and information
• Develop and maintain policies and procedures related to HMDA compliance, ensuring they are up-to-date and in line with regulatory changes
• Work closely with various departments, including underwriting, fulfillment, sales and compliance, to ensure data integrity and compliance with HMDA requirements

Quality Assurance, HMDA Specialist

Artificial Intelligence

• Independently partner with AI development tools to break BRDs into features and stories with accurate time estimates in ADO (Azure DevOps)
• Build POC solutions using AI-assisted development tools, delivering functional prototypes within single iteration cycles
• Harden POCs to MVP standards including architecture documentation, infrastructure notes, markdown continuity files, and comprehensive test suites
• Write and maintain comprehensive test suites; validate code quality for teammates at the MVP level
• Run quality scanning tools (e.g., SonarQube) and resolve findings to maintain clean code standards
• Prepare complete development team handoff packages for innovations moving to production, including all documentation and architectural context
• Partner with Catalysts through the Paired Innovation model, translating business requirements into technical solutions and providing build status updates
• Contribute to the team's skills repository and participate in the monthly skill review rotation
• Evaluate new AI tools, models, and development approaches, sharing findings with the team
• Participate in team ceremonies, rotate through scrum master responsibilities, and demo completed work

Loan Administrator

Relationship Manager

Quality Assurance, HMDA Specialist

AI Creator