Commercial Loan Assistant II

About The Role

Western Security Bank is currently seeking an experienced Commercial Loan Assistant. Commercial Loan Assistant II will provide loan processing support to the commercial lending staff. The Commercial Loan Assistant II position requires a range of duties including, but not limited to, pulling credit reports, loan file preparation, lien releases, collateral tracking while maintaining a high level of quality control. The Commercial Loan Assistant will collect, provide, and prepare loan documentation.

This position requires the ability to interpret, understand and execute established policies and procedures. The Commercial Loan Assistant demonstrates a high degree of accountability through utilization of knowledge, skills and actions that protect the assets of WSB and its customers.

The Commercial Loan Assistant will work independently as well as in cross‑functional teams with various levels of knowledge. These cross‑functional teams assist internal support staff to accomplish position/department/customer goals within regulatory/policy guidelines. Will also serve as a liaison maintaining a professional, customer‑service‑oriented demeanor in all contact.

• Locate CRA information, geocoding census track and gross annual revenue.
• Prepare and maintain customer loan files, including the loan file order and completion of the checklist.
• Perform collateral tracking, data entry, SOX documentation, and required follow‑up.
• Responsible for various correspondence including tax return letters, insurance letters and any other required correspondence.
• Answers phones and directs customers to appropriate bank resource to answer questions.
• Exhibit knowledge of various forms and procedure manuals associated with the position.
• Exhibit proficiency on equipment and job‑required software including Citrix, Windows‑based systems, Jack Henry/Xperience, Silverlake, Vertex, and nCino.
• Responsible for ticketing loans, general ledger, and deposits.
• Processes paid notes and complete paid loan workflow.
• Responsible for lien releases/reconveyances including vehicle, UCC, Deed of Trust and Mortgage.
• Demonstrate a working knowledge of Laser Pro and processing loan documents.
• Obtain and maintain flood search documentation.
• Knowledge of red flag warnings on credit reports.
• Order various supporting documentation including Title Commitments and Environmental reports as required.
• Locate, maintain, and understanding of business entity information including Articles and Operating Agreements. How to search for the Secretary of State, ordering Certificate of Existence or Fact; UCC copies; by‑laws or agreement copies.
• Working knowledge of HMDA and adverse action loans, including the required documentation.
• Exhibit knowledge of all commercial loan documents.
• Responsible for securing various recordings including DOT/Mortgage; UCC; EFS, Brand Lien; liquor; leases and titles.
• Responsible for reconciliation of the general ledger.
• Performs loan maintenance on Jack Henry.
• Responsible for wire transfers.

• Adhere to Western Security Bank Company Mission, Vision, and Service Principles.
• Provide superior internal and external customer service: must demonstrate self‑governance, courtesy, and respect toward external customers as well as internal customers.
• Is knowledgeable on our banking products and services.
• Ability to communicate requests and product information in a manner that is understood by the customer.
• Demonstrate a “customers come first” approach when prioritizing tasks.
• Maintains a professional, courteous, service‑oriented relationship with all internal and external customers.

• All employees are accountable for compliance with applicable laws and regulations when performing their job duties. Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act,…