Senior Commercial Loan Processor

Responsibilities Loan File Intake, Processing, and Pipeline Management Own assigned commercial loan files from application/intake through funding, ensuring complete and accurate documentation and clear status visibility. Establish and maintain digital loan files using required filing and naming conventions, including document stacking order/organization and version control. Request, collect, track, and review borrower/guarantor documentation (financial statements, entity documents, insurance, rent rolls, leases, etc.) for completeness and consistency; follow up proactively to clear missing items. Maintain pipeline updates, ticklers, and key milestone tracking; communicate status and needs to internal partners. Partner with Underwriting to package files for analysis and decisioning; resolve documentation gaps and discrepancies. Track approval terms and closing/funding conditions, driving timely follow‑up and documenting condition clearance. Prepare summaries and internal checklists as needed (e.g., conditions checklists, document request lists). Review third‑party documents such as SNDAs, leases, and corporate documents to make recommendations to the Manager and Loan Officers to ensure transaction soundness. Order, track, and organize third‑party reports (title, appraisal, environmental reports, flood determinations, UCC searches/filings, property condition or seismic reports, and other due diligence items). Coordinate with vendors and internal stakeholders to meet turnaround times and resolve issues. Serve as the primary point of coordination with title/escrow, appraisal, and environmental providers to support closing readiness. Prepare and support documentation preparation to ensure loan documents reflect approved terms and accurate borrower/entity information. Communicate with internal compliance and outside counsel to obtain legal guidance for complex loan structures, as applicable. Validate required closing items are present (executed documents, insurance, title/recording, etc.) and properly imaged/indexed in the file. Board/Book loans in the core system and related lending systems (e.g., LOS/servicing platform) with accurate monetary terms, collateral data, rates, fees, payment details, and ticklers. Prepare and coordinate funding requests and wires in accordance with internal procedures, approvals, and separation‑of‑duty requirements. Support funding execution and post‑funding file completion (final documents, trailing items tracking, imaging completion). Assist with periodic internal reviews, examinations, and audits by producing complete, well‑organized files and clear evidence of condition clearance and due diligence. Contribute to process improvement: templates, checklists, naming conventions, and pipeline discipline as the program scales. Perform minor reconciliations and operational accounting support related to fees, invoices, vendor payments, and funding balance checks, as assigned. Follow credit union policies/procedures and applicable lending laws/regulatory expectations; maintain confidentiality of member and borrower information; support strong internal controls, including accurate documentation, evidentiary notes, and adherence to approval authorities. Perform other duties as assigned. Work closely with Commercial Loan Officers/Originators, Underwriters/Credit Administration, Servicing, Accounting/AP, and third‑party vendors (title/escrow, appraisal, environmental). Qualifications Bachelor's degree preferred. 8+ years experience in loan processing (combination of consumer, mortgage, and/or commercial). 5+ years commercial loan experience. Strong analytical skills, including ability to evaluate strategies, solve problems, prioritize activities, and make effective use of resources. Good written and verbal communication skills, including ability to listen effectively and present ideas clearly, concisely, and in an organized manner. Knowledge of commercial regulatory statutes and lending compliance preferred. Commercial loan processing/closing support experience. Demonstrated experience managing files end‑to‑end with high documentation accuracy and time‑sensitive follow‑up. Practical knowledge of commercial loan due diligence items (title, appraisal, environmental ordering/tracking and how they impact closing readiness). Strong proficiency with document management and Microsoft Office. Target Base Pay $42.94/hr Compensation At Patelco Patelco Credit Union considers factors such as scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, and market and business considerations when extending an offer. The total rewards package includes a short‑term incentive program for all regular positions and a wide range of medical, dental, vision, financial, and other benefits. We Offer Physical Health Exceptional medical, dental, vision, and life insurance benefits On‑site fitness center at headquarters and rewards for completing wellness‑related activities Financial Health Competitive compensation packages with bonus opportunity 401(k) with 3% Safe Harbor and 5% employer match Discounts on loan products Tuition reimbursement Emotional Health Employee Assistance Program (EAP) PTO for part‑time and full‑time positions Paid holidays Personal Development On‑the‑job training and skills development Internal transfer opportunities for career growth Volunteer work Flexible work arrangements are available for specific positions. Patelco Credit Union is an Equal Opportunity Employer including individuals with disabilities and protected veterans. #J-18808-Ljbffr