Commercial Lending Operations Manager

Billion-dollar credit union serving nearly 80,000 members throughout California's beautiful Central Valley is looking to expand their team. For over 75 years we have been providing superior service for our members and community. As a not-for-profit financial cooperative we believe in banking with a purpose and therefore annually return millions of dollars to our members in the form of better rates, lower fees, and access to fair credit.

We pride ourselves in helping our members achieve their financial dreams. At the end of the day, we are optimists, partnering with our members and community to empower a brighter future. Together, we are doing great things for the community we call home.

Reporting directly to the Chief Lending Officer, the Commercial Lending Operations Manager owns the full back-office commercial lending function — from underwriting through post-closing service and loan servicing. Underwriting is currently outsourced, with a strategic plan to transition in-house; this role will lead to that effort while managing all day-to-day operations in the interim. This is a senior operational role responsible for overseeing the end-to-end processing of commercial loan transactions, including conventional business loans and government-insured or government-guaranteed programs such as SBA 7(a) and SBA 504 loans.

This individual serves as the primary quality control point between loan approval and closing, ensuring that all loan documentation is accurate, complete, and fully consistent with the terms and conditions set forth in the credit memo or credit presentation as approved by the Business Loan Committee.

This role directly supervises a team of Commercial Loan Processors and is accountable for the team's performance, workflow management, and adherence to regulatory and institutional standards. The ideal candidate combines deep technical knowledge of commercial loan underwriting and documentation with strong operational leadership capabilities.

• Manage and oversee the full commercial loan processing cycle from post-approval through closing and funding, ensuring timely and accurate execution at every stage.
• Review and validate all loan documentation against the approved credit memo or credit presentation to confirm consistency with terms, conditions, collateral requirements, covenants, and approvals granted by the Business Loan Committee.
• Coordinate with loan originators, underwriters, attorneys, title companies, and borrowers to resolve documentation deficiencies and clear closing conditions.
• Monitor loan pipeline reports and provide regular status updates to lending management; identify bottlenecks and implement process improvements to optimize throughput.
• Maintain and enforce quality control standards for all loan files, ensuring completeness and accuracy prior to booking and disbursement.
• Oversee UCC filings, lien searches, title reviews, appraisal orders, hazard insurance verification, and other third-party requirements.
• Apply working knowledge of conventional commercial loan underwriting standards as well as SBA Standard Operating Procedures (SOP) for 7(a) and 504 loan programs.
• Assist in structuring loan packages for government-guaranteed programs to ensure compliance with SBA eligibility requirements and documentation standards.
• Collaborate with underwriters and loan originators to resolve credit-related questions and conditions arising during the processing and closing stages.
• Review financial statements, tax returns, credit packages, and collateral documentation to verify alignment with underwriting conclusions.
• Review executed and draft legal loan documents — including promissory notes, loan agreements, security agreements, deeds of trust/mortgages, guarantees, and SBA authorization documents — for accuracy and consistency with approved credit terms.
• Identify and elevate discrepancies between legal documents and the approved credit presentation before execution and disbursement.
• Work closely with legal counsel and closing attorneys/agencies to ensure all loan documentation meets regulatory, legal, and institutional requirements.
• Maintain familiarity with UCC, real estate…