Real Estate Administrator

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 ofSan Diego Union-TribuneandOrange 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 foraRealEstate LoanAdministrator inIrvine, CA.This role focuses onsecuring the accuracy and compliance of our real estate transactions from loan approval to funding. By meticulously reviewing due diligence—including surveys, title reports, and settlement statements—and partnering directly with borrowers, attorneys, and closing agents, you will safeguard bank policies and drive a seamless transition from loan closure to active disbursement. Primary Job Duties: Loan Documentation & Review: Borrower name is correct, and spelling is correct Interest rates, dates, dollar amounts are all correct Covenants are worded correctly and match approved Credit Presentation (“CP”) (this is a team effort with Middle Office) Complete a final review of covenants in Credit Lead to ensure analyst has built the covenant correctly and property tied them to the transaction. Loan Terms throughout the CP Narrative, Loan Documents, and Credit Lead/Face Pages must all match Guarantor Information is correct, and amount of guaranty matches approved CP File all loan documents into O Drive under the Legal Docs sub directory for all active & new loans Credit Lead Input: Input new deals in Credit Lead Creating new profiles in Credit Lead as needed Update Credit Lead with Borrowing Entity Information Track and submit exceptions in Credit Lead for items needed prior to closing Image documents to the correct levels in Credit Lead Cancel/withdraw loans as needed Monitor Loans for Reg B Compliance: Monitor for new deals Input any updates from RM Process extension &/or additional request letters Sending reminders to RMs as Reg B approaches Inputting Reg B memos, information, and documents into Credit Lead Loan Closing/Working with Loan Closers: Collect W-9 for new Borrowers/Co Borrowers (Not needed for Guarantors) Collect W-9 for funding if we are funding to anyone other than our Borrower Reach out to Middle Office when a closer is needed Work with Middle Office closer on items needed for closing Keep closers, underwriters, and RMs in the loop on all emails Help coordinate signatures on loan documents from RMs and borrowers as needed Scan, image, and send original signatures to their final destination (i.e. middle office, attorney, title, etc.) Create Sharefile folders, and pull documents from Sharefile as needed Review monthly insurance report and obtain necessary items to clear Process attorney fees in Counsel Link Process pre-documented Auto Extensions Review booked loan in BANCS for accuracy Work with accounting to process fees for canceled/withdrawn loans Post-Closing Duties: Review Post-Closing exceptions and obtain necessary items to clear prior to first draw Update list as items are cleared and add new items from new closings Submit RIMS requests for Appraisal and Environmental bids/services Send bids received to RMs Select bids when needed Work with the RIMS department to obtain and upload necessary information Track progress and download reports when completed for RM Prepare and send Good Faith Deposit Instructions/Invoice Update “Know Your Customer” for all borrowers and related entities Work with CORD, as needed Order O&E (Attorneys will order Title Commitments for New Loans) Requesting floods or recertifying Pull past-due loans report weekly and work with correct parties to bring loans to current Provide monthly loan statements as requested Prepare invoices as needed Make payments once received Attend monthly SME meetings for loan assistants Attend Credit Analyst meeting to provide any important updates from SME meeting LIBOR Cessation Project – Convert loans off of LIBOR to SOFR or BSBY Assist with customer questions as they reach outProcess MIT requests When working with Lenders on Pipelines she will remind them to obtain John’s approval for engaging attorney’s prior to closing Credit Lead Bancs MIT XNet Aviva Counsel Link Power BI Sharefile RIMS FedEx DebtX SyndTrack Land Title Ordering Qualifications: Requires a bachelor's degree and 2-4+ years of residential and commercial loan processing, documentation or otherdirectly relatedexperience. A combination of education and experience may meetqualification. Basic knowledge of lending procedures,documentationand systems. Limited use and/or application of basic Real Estate loan administration principles, theories, and concepts. Good interpersonal and communication skills, both verbal and written. Good organizational, problemsolvingand analysis skills. Ability to meet deadlines and multi-task. Requiresgood timemanagement skills. Knowledge of compliance with federal and state regulationspertaining tothe banking industry. Sound judgment and decision-making ability. Medical, Dental and Vision Insurance - START DAY ONE! Life and Disability Insurance, Paid Parental 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, and any applicable state 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire Employee Ambassador preferred banking products This position is eligible to earn a base salary in the range of$82,000 - $108,000 annuallydepending on job-related factors such as level of experience. This position will be open until filled. All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations. Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending 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, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law. It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran. Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at View email address on click.appcast.io or View phone number on click.appcast.io. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact. California Bank and Trust a division of Zions Bancorporation, N.A. Member FDIC #J-18808-Ljbffr