Senior Commercial Lending Operations Officer

Job Description

Job Description

Senior Commercial Lending Operations Officer
40 Hours (Full Time)
Monday - Friday

PURPOSE:
The primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions – For Life," by providing outstanding service to both members and internal members.

• To deliver service in alignment with our Service Commitments:
  • I will earn respect and build trust by acting with integrity in every situation.
  • I will understand my role in supporting the team to achieve our purpose.
  • I will focus on people over products and build lasting relationships.
  • I will take ownership and accept responsibility.
  • I will treat my coworkers with the same high standards as I treat my members.
  • I will continuously look for ways to improve myself, my credit union, and my community.
  • I will accept there is no "they". We are one working toward the same mission.
  • I will commit to the core values.

This role ensures loans are processed, documented, closed, and maintained with accuracy, compliance, and operational efficiency.

SUMMARY:
The Senior Business Lending Operations Officer is responsible for end-to-end loan operations, credit administration, collateral management, and lifecycle oversight for commercial and small business loans. This role serves as the operational backbone of the lending function, ensuring documentation integrity, regulatory compliance, audit readiness, and consistent loan quality from origination through payoff.

ESSENTIAL DUTIES:

Loan Processing & Credit Administration

• Input commercial loans into the commercial loan origination system (LOS)
• Input small business loans into applicable consumer lending systems
• Prepare complete and accurate loan packages for underwriting, approval, and committee review
• Coordinate annual reviews, renewals, and credit extensions
• Track financial statements, covenants, ticklers, and reporting requirements

Collateral & Documentation Management

• Order, review, and track appraisals and environmental reports
• Coordinate title, escrow, legal counsel, and closing activities
• Prepare and manage UCC filings, continuations, and terminations
• Manage deeds of trust, assignments, guarantees, and related loan documents
• Track insurance coverage including hazard, liability, and flood
• Monitor property taxes and ensure timely payment verification

Closing, Booking & Funding

• Book all commercial and small business loans
• Coordinate satisfaction of funding and closing conditions
• Work with title companies, escrow, and legal counsel to ensure proper execution
• Ensure post-closing documentation is complete, accurate, and imaged

Credit Governance & Risk Support

• Maintain credit files and imaging standards
• Support internal audits, external audits, NCUA exams, and loan reviews
• Track policy exceptions, waivers, and remediation efforts
• Support watchlist tracking, risk ratings, and portfolio monitoring

Systems, Testing & Procedures

• Perform User Acceptance Testing (UAT) for lending products, systems, and enhancements
• Support LOS upgrades, enhancements, and workflow improvements
• Assist in drafting and updating lending procedures and controls
• Train staff on loan workflow changes and system updates

Additional Responsibilities

• Provide portfolio and pipeline reporting support
• Perform loan boarding quality control
• Track and resolve documentation or system exceptions
• Support loan participations and related documentation
• Perform additional duties as assigned by Business Banking leadership

EDUCATION and/or EXPERIENCE:
Associate's degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience. Bachelor's degree preferred.

5+ years of experience in commercial and/or small business lending operations, credit administration, or loan processing within a financial institution.

Demonstrated experience supporting commercial loan documentation, collateral management, and loan lifecycle administration.

Strong working knowledge of loan origination systems (LOS), core banking platforms, and document imaging systems.

Technologically proficient, with experience supporting system enhancements, workflow improvements, and user acceptance testing (UAT) in a lending environment.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*
**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**
SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE) DRUG-FREE WORKPLACE