Senior Commercial Loan Processor

About the Organization 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.

The Senior Commercial Loan Processor reports directly to and works under the supervision of the Chief Lending Officer.

The Senior Commercial Loan Processor supports the full commercial lending relationship lifecycle by preparing, processing, reviewing, closing, and servicing commercial and small business loans. The role combines loan operations expertise with relationship management responsibilities, serving as a responsive point of contact for assigned members, supporting portfolio retention and growth, and coordinating customized lending, deposit, and related business banking solutions with internal partners.

This position ensures loans are structured, documented, funded, serviced, and reviewed in accordance with credit approvals, credit union policy, and applicable federal and state requirements. The incumbent exercises independent judgment, partners with lending and risk personnel, assists with annual reviews and renewals, and provides timely after-sales service, including payoff, payment, and line of credit advance processing. The role delivers an exceptional member experience while protecting the credit union and supporting the quality and profitability of the commercial loan portfolio

• Collaborate with all Vice Presidents of Commercial Banking to oversee preparing, processing, and reviewing commercial and small business loan documentation, ensuring efficient processing and closing.
• Act as a liaison with internal and external stakeholders to facilitate timely and successful loan closings.
• Review and verify collateral documents, categorize and re-index pre-closing documentation, and ensure completeness and accuracy of loan document packages.
• Manage pre-closing conditions, including insurance requirements, and perform post-closing final reviews of documents.
• Prepare loan funding instructions and coordinate with accounting for timely funding.
• Exercise independent judgment in ordering and interpreting third-party reports, determining authorized parties for loan transactions, and managing compliance requirements.
• Proactively contact borrowers to obtain necessary documentation and facilitate loan closing dates.
• Serve as a primary point of contact for borrowers, maintaining strong business relationships and resolving concerns or questions.
• Manage and deepen assigned commercial member relationships by maintaining regular contact, understanding each member’s business and financial needs, coordinating appropriate credit union solutions, and serving as a primary point of contact throughout the relationship lifecycle.
• Assist with after-sales loan servicing requests, including preparing and processing loan payoff requests, payments, and line of credit advances; verify authorization and supporting documentation; coordinate with internal departments; and communicate status and completion to members and lending personnel.
• Support annual credit reviews and loan renewals for assigned relationships by tracking due dates, requesting and organizing current financial information, reviewing files for completeness, processing review packages, updating applicable systems, and coordinating with relationship and risk officers to ensure timely completion.
• Monitor assigned relationships for upcoming maturities, covenant and documentation requirements, service needs, and opportunities to retain or expand the relationship; promptly elevate credit, compliance, or member service concerns to lending leadership.
• Conduct site inspections and client meetings to ensure adherence to loan agreements and terms.
• Monitor and adjust daily workflow to meet operational commitments, identify areas for improvement and recommend solutions.
• Manage an assigned credit application portfolio, respond to customer credit questions, and conduct independent calls on…