Senior Commerical Operations Specialist

Four Leaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

Responsible for ensuring commercial and business loans originate in compliance with Member Business Loan Policy, as well as state and federal lending guidelines. This position performs a variety of tasks in processing and closing including prepping closing files, coordination with third party vendors and member service.

This opportunity is open to flexible work options including a hybrid or remote set up.

• Prepare file for underwriting, create loan checklist, review all submitted documentation from members for accuracy (verify liquidity on personal financial statements; verify rental income), coordinate with vendors to ensure timely delivery of requested reports, order and review of personal and business due diligence reports, organize electronic files.
• Engage outside legal counsel, analyze Credit Approval Memorandum for approved loan structure, work collaboratively with underwriting, legal counsel and Relationship Manager to clear closing conditions, maintain closing calendar, communicate with internal and external parties regarding closing status, prepare closing and boarding checklists and prepare loan documents for non‑real‑estate secured loans. Communicate with insurance agents to obtain insurance certificates and review for adequate coverage and accuracy for closing.
  
  Calculate, confirm, and send wires, review closing statements, checks and loan docs prior to funding, coordinate with legal counsel to facilitate funding.
• Manage pipeline updates, ensure transactions are closed in compliance with the Member Business Loan Policy and governing regulations, perform quality control reviews of each completed loan file, maintain complete electronic and physical loan file, including all digital and wet signature documents provided by legal counsel and coordinate off‑premises storage.
• Ensure timely payment on all department third‑party bills to be paid, update and maintain third party vendor list. Oversee reconciliation of Good Faith Deposit GL with accounting, Commercial Loan Pipeline, QC Log, & HMDA 1071 compliance reporting. File closed/denied/withdrawn files and issue refund checks, notarize documents.
• Train and mentor Commercial Operations Specialist on all COS tasks and responsibilities. Provide ongoing assistance and support within the department as requested for Servicing, Portfolio, Participation, and Workout teams. Update COS Guidelines and Procedures as needed.
• Collaborate on complex department project initiatives including but not limited to nCino LOS system implementation and testing, and West Coast processes and procedures.
• Work closely with relationship managers, underwriters, management, legal, escrow, and insurance agents to facilitate complex commercial closings to ensure time sensitive closing deadlines are met.

• 3+ years of experience.
• Skills:
  
  Commercial Lending. Detail Oriented, MS Word, MS Excel, Multi‑tasking, Teamwork, Working Independently.

The estimated salary for this role is $31.93 - $38.32 per hour. ( Four Leaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance‑based bonus. )

In addition to our comprehensive benefits, we invest in employee connection and well‑being through:

• Competitive 401(k)
• Tuition and fitness reimbursement programs
• Flexible work options
• Volunteer opportunities
• Executive “Water Cooler Chats”
• Clubs, sports, and social events
• Food truck days

….and more!

Four Leaf Federal Credit Union (Four Leaf) has been committed to the financial well‑being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child’s first…