Loan Specialist – Lancaster, CA

Zionsbancorp; Lancaster (CA); On-site; USD 36,000 - 44,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance —

Life and Disability Insurance

Health Savings (HSA) and FSA

Paid Training and PTO and 11 Holidays

401(k) with match and Profit Sharing

Mental health benefits and therapy

Tuition Reimbursement

Employee banking product perks

Job summary

California Bank & Trust in Lancaster, CA is seeking a dedicated Loan Specialist to manage end-to-end loan processing, documentation, and servicing with high accuracy. You will handle client inquiries, ensure regulatory compliance, and support disbursements and payoff activities.

The role requires a minimum high school diploma and prior banking experience, with a focus on precision, customer service, and teamwork. This position is based in Lancaster and offers 40 hours per week.

Qualifications

• Requires High School diploma or equivalent and some previous banking or loan processing, documentation, servicing or other directly related experience.
• Basic knowledge of lending processes, principles, documentation, exceptions, collateral review, payments and loan systems.
• Knowledge of general banking process and procedures helpful.
• Good interpersonal and communication skills, both verbal and written.
• Must have good organizational and customer service skills.
• Must be accurate, possess numeric and verbal aptitudes.
• Good research and audit skills.
• Ability to work in a fast pace environment, complete processes and meet deadlines.
• Working knowledge of personal computers and various word processing, spreadsheets or related software.

Responsibilities

• Provides administrative and/or operational support within one or more of the following loan areas; processing, presentations, servicing, documentation, notes, etc.
• May assist with closing and disbursements on a limited basis.
• May clear identified loan exceptions.
• Maintains files, documents, notes, etc. as needed.
• Responsible for verifying completeness of files with all necessary documents and signatures required.
• Researches and resolves lending inquiries and issues.
• Work with lenders in resolving discrepancies in various documentation.
• Ensures all applicable laws, regulations and bank policies and procedures are followed.
• May prepare and/or track disbursements, loan documents, reports, obtain credit and/or financial information.
• May perform review of loan and collateral documents and loan packages to ensure the bank’s security interest and adherence to established policies and procedures.
• May update the loan system with pertinent collateral and collateral exception information; tracks and clears exceptions as required.
• Processes payments, researches and processes rejected payments.
• May calculate pre-payment penalties and coordinates settle escrow funds when a loan is paid off.
• Responsible for conducting a complete and accurate payoff transaction.
• Answer questions and follow up with clients.
• Produce reports as required.
• Other duties as assigned.

Skills

Lending processes

General banking knowledge

Interpersonal skills

Verbal and written communication

Organizational skills

Customer service

Numeric and verbal aptitude

Research and audit skills

Ability to work in fast-paced env

PCs & MS Office basics

Education

High School diploma or equivalent

Job description

Loan Specialist – Lancaster, CA(

Job Number:

1. hours per week: 40

Description

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 Loan Specialist in Lancaster, CA.This role is responsible for driving the end-to-end integrity of our lending operations by delivering high-accuracy administrative support across loan processing, documentation, and servicing, while actively resolving client inquiries and ensuring meticulous compliance with banking policies.

Essential Functions:

• Provides administrative and/or operational support within one or more of the following loan areas; processing, presentations, servicing, documentation, notes, etc.

• May assist with closing and disbursements on a limited basis.

• May clear identified loan exceptions.

• Maintains files, documents, notes, etc. as needed.

• Responsible for verifying completeness of files with all necessary documents and signatures required.

• Researches and resolves lending inquiries and issues.

• Work with lenders in resolving discrepancies in various documentation.

• Ensures all applicable laws, regulations and bank policies and procedures are followed.

• May prepare and/or track disbursements, loan documents, reports, obtain credit and/or financial information.

• May perform review of loan and collateral documents and loan packages to ensure the bank’s security interest and adherence to established policies and procedures.

• May update the loan system with pertinent collateral and collateral exception information; tracks and clears exceptions as required.

• Processes payments, researches and processes rejected payments.

• May calculate pre-payment penalties and coordinates settle escrow funds when a loan is paid off.

• Responsible for conducting a complete and accurate payoff transaction.

• Answer questions and follow up with clients.

• Produce reports as required.

• Other duties as assigned.

Qualifications:

• Requires High School diploma or equivalent and some previous banking or loan processing, documentation, servicing or other directly related experience. A combination of eduction and experience may meet job requirements.

• Basic knowledge of lending processes, principles, documentation, exceptions, collateral review, payments and loan systems.

• Knowledge of general banking process and procedures helpful.

• Good interpersonal and communication skills, both verbal and written.

• Must have good organizational and customer service skills.

• Must be accurate, possess numeric and verbal aptitudes.

• Good research and audit skills.

• Ability to work in a fast pace environment, complete processes and meet deadlines.

• Working knowledge of personal computers and various word processing, spreadsheets or related software.

Benefits:

• Medical, Dental and Vision Insurance — START DAY ONE!

• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance

• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts

• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays

• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

• Mental health benefits, including coaching and therapy sessions

• Tuition Reimbursement for qualifying employees

• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $26 – $32 hourly depending on job-related factors such as level of experience.

This position requires Federal Registration with the National Mortgage Licensing System (NMLS), in accordance with the SAFE Act.

Work Locations

California-Lancaster-LA – Lancaster
Loan Operations

ABOUT OUR COMPANY

Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $65 billion. 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 company is a national leader in Small Business Administration lending and public finance advisory services, and is a consistent top recipient of Greenwich Excellence awards in banking. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.
For more information, click here

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
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