We are seeking a Commercial Loan Portfolio Specialist. Reporting to the Chief Lending Officer, the Commercial Loan Portfolio Specialist will prepare, assist and generate all loan types; specifically commercial, real estate and consumer loans. Responsibilities include the preparation of relevant loan documents, processing all loan commitments, responding to and generating related inter-departmental correspondence, providing associated clerical and loan processing support, preparing and processing all collateral documentation and providing assistance to the Collections Department.
Responsibilities / Duties:
Service commercial and real estate loans, with full understanding of compliance and regulatory requirements;
Ensure quick, efficient turn-around in the proactive preparation of documentation;
Prepare, produce and process all required forms and legal documents relating to various loan types and arrange appraisals and title searches as necessary;
Review all appraisals for real estate, mobile home and business loans;
Process loan closing documents on a daily basis;
Order and review all flood determinations;
Order and review all UCC searches, amendments, filings and terminations and file UCC continuations, as needed;
Collect, review, and coordinate with lender/title company in connection with any subordination requests received; subsequently review all Preliminary Title Reports, in addition to reviewing and requesting corrections on all final title policies in connection to recorded real estate collateral;
Review and track all real estate, mobile home and business loans for HMDA compliance; track related fees (collected, paid out, pre-collected, prepaid and at funding), in addition to collating, verifying, correcting and submitting annual HMDA-LAR to regulators/FRB;
Coordinate with all relevant parties in obtaining missing loan documentation information and follow-up on all post funding collateral items (title policies, share-secured, UCC filings etc.) to ensure all final documents are in the permanent file;
Collate, verify, correct and submit monthly report on all Cal Coastal Guaranteed loans; while working with Cal Coastal to obtain updated documents from members, or other parties; Input and submit all SBA loans through CAIVRS, prior to E-Tran approval request and process post-funding changes, if necessary; subsequently submit monthly SBA Colson 1502 report;
Process and release collateral for all paid-in-full and closed loans;
Review and process any release of funds, release of appraisal, and HMDA status on all adverse action (declined, withdrawn, etc.) on loans;
Create forms, checklists and procedures for best practices/procedures for the aspects of the loan processes performed.
Create reports and assist with preparation of monthly loan production evaluation;
Review and request updated insurance on active/open loans;
Perform other duties as assigned.
At minimum, AA Degree in relevant business-related discipline; BA Degree, preferred;
2-5 years of recent commercial loan processing experience;
Solid understanding of credit union underwriting standards in connection to commercial, consumer and real estate loans;
Proficient written and oral communication skills;
Proficient interpersonal skills involving the ability to build high levels of trust, with diplomacy, courtesy and tact;
Proficient organizational and multi-tasking skills and ability to meet deadlines in a timely manner;
Proficiency in the Microsoft suite of products;
Experience in loan processing software applications;
Solid mathematical acumen;
Strong research and analytical skills;
Must hold a valid California Driver’s License and have own car to travel between branches, as needed.
About Santa Cruz Community Credit Union
Santa Cruz Community Credit Union (SCCCU) is a not for profit financial cooperative that serves members in Santa Cruz County. We are local, independent, and member-owned. Established in 1977, Santa Cruz Community Credit Union remains one of the most innovative community development financial institutions (CDFI) in the country, and is CDFI and low-income certified. With its mission of economic justice, which represents a passion to ensure that every person has access to financial services, financial educational tools and capital, SCCCU remains focused on its commitment to economic development, financial literacy and serving the underserved and underbanked in our community. SCCCU has assets in excess of $115 million and over 13,000 members.
We offer a full benefits package including Medical, Dental, and Vision Plans, a 401k Retirement Plan, ample paid time off, in addition to 10 paid holidays per year, free checking and savings accounts, loan rate discounts, and more!
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