River Valley Community Bank · 20 hours ago
Commercial Loan Officer
Yuba City, CA
Full-time
Onsite
Entry, Mid, Senior Level
1+ years expRiver Valley Community Bank is a premier community bank committed to meeting the needs of clients with relationship-oriented products and services. The Commercial Loan Officer analyzes, structures, underwrites, and services a variety of business and individual loans while providing financial counsel to clients and ensuring compliance with bank policies and regulations.
BankingFinanceFinancial Services
Responsibilities
Structures and underwrites credit requests and prepares credit write-ups for approval primarily consisting of relationships that are new to the bank and more complex credit requests for existing clients
Structures, analyzes, recommends, and presents consumer and commercial credit requests for approval
Develops and maintains quality customer relationships; including business/personal loans and deposits, also calls on existing customers to maintain a strong relationship and provide additional banking products as needed
Makes and services a variety of business and individual loans and lines of credit, both secured and unsecured
Monitors and keeps informed on status of loans in assigned portfolio
Requests required customer information per loan documents and monitors for covenant compliance, promptly notifying management of any deterioration in the portfolio
Reviews loan documentation and cross-references with approved loan request to ensure accuracy prior to sending to customer for signature
Responsible for assigned customer credit quality, net yield on loans and origination/funding of loans consistent with the Bank’s credit policies
Maintains complete and accurate loan files, reviewing and preparing the files for completeness prior to audits
Represents the bank at select civic and community functions to develop additional business
Provides guidance and direction to junior staff members, including mentoring and training of credit analysts
Reviews and underwrites customer requests for Automatic Clearing House (ACH) and Remote Deposit Capture (RDC)
May assist senior lenders as back-up officer or in analyzing credits
Familiar with and complies with applicable Bank policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML and all Fair Lending, CRA and Compliance related regulations
Remains current with compliance training and any other periodic trainings as assigned
Meets measurable goals and objectives, assigned annually, by December 31
Performs and assists in other miscellaneous duties as may be assigned
Qualification
Required
Bachelor's degree in business administration, finance, or related field or equivalent work experience
Knowledge of accounting and financial statement basics
Knowledge of credit principles and concepts, theories, loan structure and banking products
Strong verbal, written, and interpersonal communication skills with an ability to apply common sense to carry out instructions, read, analyze, and interpret many different types of communication
Experience working with others in a team setting to meet client needs and respond promptly to client requests
Ability to handle multiple assignments simultaneously
Working knowledge of computers and computer software such as Microsoft Word, Microsoft Outlook, Excel
Commercial credit underwriting experience
Able to interact independently with customers to determine needs for the purpose of loan structuring
Effective interpersonal, verbal, and written communication skills and the ability to cross-sell bank products and services
Willingness and ability to effectively recommend bank products and services that meet client needs
Detail oriented with an ability to analyze and solve basic and more complex customer issues in a timely manner
Advanced knowledge of accounting principles and reading financial statements
Advanced knowledge of credit principles and concepts, theories, loan structure and banking products and third-party lending programs
Working knowledge of loan documentation and collateral requirements
Ability to make verbal presentations and advocate for credit recommendations
Proven leadership experience with the ability to motivate and develop a high performing team that collaborates well with internal partners/departments
Strong leadership and coaching skills. Ability to lead a team of several Loan Officers, tracking underwriting activity, involved in structuring and customer calling efforts, and monitoring/tracking deal flow
Preferred
One year or more of Commercial credit underwriting experience
Experience with spreading software such as Moody's, Baker Hill, CreditQuest, or a similar product
Three years or more of Commercial credit underwriting and loan structuring experience
Advanced experience with spreading software such as Cash Suite, Moody's, Baker Hill, CreditQuest
Six years or more of commercial credit underwriting and loan structuring experience
Benefits
Standard employee benefits package
Company
River Valley Community Bank
River Valley Community Bank provides personal and business banking services.
11-50 employees
Funding
Current Stage
Early StageLeadership Team
Matt Peyret
Senior Vice President, Market Manager
Heather Peña
Vice President Commercial Banking
Recent News
River Valley Community Bancorp
2025-10-22
River Valley Community Bancorp
2025-09-25
River Valley Community Bancorp
2025-09-18
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