Business Lending Operations Specialist Team Lead

Business Lending Operations Specialist Team Lead

Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly mattersyou've found it!

Who You Are You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together.

What You'll Do This position will be located at our Corporate Office.

The Business Lending Operations Specialist Team Lead supports leadership and staff in conducting a broad range of loan and member service functions and related projects and duties, ensuring timely and accurate servicing and compliance with federal and state regulations. The Team Lead oversees the partnership with all stakeholders, communicates with members and associates, and is a valued business partner to all Credit Union departments. Through collaboration on department operations and goals, the Business Lending Operations Specialist Team Lead is the ambassador and role model for compliance and quality standards, achieved through effective communication and monitoring. In addition to achieving individual goals and serving as a go-to resource for higher complexity situations, the Team Lead is responsible for coaching, educating, developing, and assisting other Business Lending Operations Specialists. The Team Lead role embodies the "Play to Win" spirit and works together with leadership to create an organization that is impactful and admired.

Essential Functions

• Leads and develops peers by measuring progress and by providing coaching, counseling, and training.
• Assists the team with escalated questions and issues using critical thinking skills to offer innovative and effective solutions, consulting with the department supervisor when appropriate.
• Designated as the department mentor responsible for developing and implementing the 90-day training plan for new associates.
• Builds trust with new team members and offers one-on-one support throughout their introductory period.
• Strategizes with the department leader on managing work volume by analyzing reports and offering insights on capacity management.
• Develops and promotes process optimization and efficiencies with all stakeholders and partners.
• Proactively supports business members and resolves member business needs and inquiries.
• Prepares loan documentation and captures loan information, according to established procedures, for company-generated and participation bought/sold loans.
• Funds loans, prepares wires, and posts entries on loans. Performs quality control review on funded loans.
• Processes loan payments, advance requests, and payoffs.
• Executes lien perfection through recording/filing with appropriate state and county offices.
• Closes out paid-off files, including releases of collateral, discharges of deeds of trust, and related processes.
• Updates and maintains insurance and Uniform Commercial Code (UCC) filings in core servicing system.
• Posts, updates, maintains, tracks, and follows up on automated notifications in platform(s) supporting credit analysis, financial analysis, and risk management.
• Manages tax reporting with third-party provider.
• Sets up commercial share savings accounts and accounts for cash management clients.
• Supports cash management clients and administers related accounts.
• Processes business credit card applications through funding.
• Creates, refreshes, and improves processes and provides updates to procedures as needed.
• Quality review and fund all Small Business loans within Core system.
• Prepare and manage all aspects of SBA 1502 submission and maintenance, to include outgoing wire delivery.

What You Bring

• High School Diploma Required
• Associate's Degree
• Bachelor's Degree Preferred
• 5 to 8 years of similar or related experience. Five plus (5+) years financial services experience.
• 5 to 8 years of similar or related experience. Five plus (5+) years of business/commercial or mortgage loan documentation preparation experience.
• 10 to 15 years of similar or related experience. Ten plus (10+) years of business lending or mortgage loan servicing experience or
• equivalent combination of education and experience.
• Strong knowledge of business/commercial loan types.
• Knowledge of requirements and practices in commercial loan closing/funding, servicing, lending practices, and National Automated Clearing House Association (NACHA) transactions.
• Working knowledge of banking operations.
• Excellent customer service skills.
• Experience with document preparation systems preferred.
• Experience with core account processing platforms, financial analysis/risk management software, consumer lending software, consumer loan management software, and service management systems preferred.
• Accredited ACH Professional (AAP)

Compensation & Benefits

• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement
• Tuition Reimbursement
• Student loan repayment
• ...and much more. Explore all the details in our comprehensive Benefits Booklet
• Target hiring range $31.12 - $38.90 USD (Depending on experience and prior to any incentives this position is eligible for)

Why Join OneAZ?

At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers.

We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible.

Additional Notes:

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). As applicable, any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing System (NMLS). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.