Commercial Loan Processor - Harlingen, TX

Texas Regional Bank; Harlingen (TX); On-site; USD 42,000 - 68,000; Full time

Job summary

Texas Regional Bank seeks a Loan Processor to coordinate all documentation for commercial loan transactions from submission to closing, ensuring compliance with internal and external guidelines and protecting the bank’s security interest.

You will review packages, request missing documents, perform data entry, liaise with attorneys, audit files, and assist in renewals and releases while maintaining strict regulatory timelines and high accuracy.

Qualifications

• High school diploma or GED required.
• Minimum 3–5 years in real estate and commercial processing, preferably at a financial institution.
• Knowledge of loan compliance and regulations.
• Strong analytical skills and decisive decision-making abilities.
• Solid working knowledge of real estate and commercial loan underwriting concepts and regulatory guidelines.
• Ability to manage multiple priorities and meet deadlines in a fast-paced, high-volume environment.
• Strong computer skills with loan platforms; proficient in Microsoft Office and Adobe Pro.
• Must be physically present in the bank.

Responsibilities

• Review loan packages for completeness and accuracy.
• Request required documentation and approvals.
• Enter data and ensure accurate loan documentation.
• Maintain close communication with attorneys.
• Resolve issues impacting collectability, lien, or marketability.
• Present complete package to close after review and approval.
• Audit loan packages for proper signatures and disbursements.
• Provide payoffs, loan verifications, and lien releases.
• Comply with federal and state regulations and bank policies.
• Enter and code loans accurately for reporting.
• Assist Commercial Real Estate with renewals and releases.
• Perform additional duties as requested.

Skills

Analytical skills

Communication skills

Attention to detail

Data entry

Loan processing knowledge

Education

High school diploma or GED

Tools

Microsoft Office

Adobe Acrobat Pro

Job description

Position Summary

Loan Processor is responsible for coordinating the entire documentation requirements to complete commercial loan transaction from submission of application to loan closing. Provides assistance and support to the professional lending staff regarding loan documentation preparation, and review. Process loans to ensure compliance with internal and external lending guidelines and protect the Bank’s security interest.

Principal Duties And Responsibilities

• Reviews loan packages for completeness and accuracy.
• Requests required documentation on approvals.
• Reviews loan documentation, recognizes deficiencies and takes appropriate steps to ensure accurate documentation, including data entry.
• Maintains in close communication with attorneys.
• Immediately resolves any issues that would negatively impact the Bank’s future collectability, lien position, equity position, and/or marketability.
• Once all documentation has been collected, reviewed and approved, presents complete package with approval to close.
• Audits all loan packages to ensure proper signatures, disbursements and documentation is obtained. Immediately reports and resolves any issue that requires corrective action and meets all regulatory timelines.
• Uploads loan documents to Bank’s imaging software.
• Provides payoffs, loan verifications, and processes releases of lien.
• Complies with federal and state regulations and all established Bank policies and procedures.
• Review loans are entered and coded correctly and accurately to ensure accurate reporting in compliance with federal and state regulatory requirements as well as general Bank financial reporting requirements.
• Assists the Commercial Real Estate department as needed to prepare renewal loan documentation, modifications, paid out files and releases of lien.
• Performs additional duties as requested.

Other Responsibilities

• Supports and promotes the Bank’s vision, mission and core values, organizational structure and policies and procedures.
• Must have excellent analysis, observation and decision‑making skills.
• Highly focused, able to rapidly determine key priorities, clearly communicate the priorities and ensure resources are properly aligned.
• Excellent interpersonal and communication skills are necessary for maintaining effective relationships with Board members, officers, employees, and members of the business and civic community.
• Individual should be able to work under high pressure situations and a stressful atmosphere while remaining composed at all times.
• Provides a strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, and customers.
• Other duties as assigned.

Education And Experience Requirements

• A self‑starting team player who possesses a High school diploma or GED.
• Minimum 3-5 years real estate and commercial processing experience – financial institution preferred.
• Knowledgeable in loan compliance and regulations.
• Strong analytical skills and decision‑making abilities.
• Should possess a strong working knowledge of real estate and commercial loan underwriting concepts, techniques, compliance and regulatory guidelines.
• Ability to manage multiple priorities and meet deadlines in a fast paced, high volume, work environment with accuracy and minimal supervision.
• Display a positive team working attitude with associates in all departments.
• Must have strong computer skills, with an emphasis on loan platforms. Proficient in Microsoft Office and AdobePro is preferred.
• Must be able to be physically present in the Bank to perform job duties.
• Texas Regional Bank is an Equal Opportunity Employer.