Senior Commercial Loan Administration Officer

San Francisco Federal Credit Union; Oakland (CA); On-site; USD 59,000 - 69,000; Full time

Benefits offered by this job

Health insurance

Paid time off

401(k) plan

Profit sharing

Bonuses

Tuition reimbursement

Job summary

San Francisco Federal's in Oakland seeks a Senior Commercial Loan Administration Officer to oversee the full loan lifecycle from closing to servicing. You will coordinate closings, board loans, and ensure accurate documentation while partnering with Credit, Legal, and Compliance teams.

The role requires 5+ years in loan administration, strong analytical and communication skills, and proficiency with loan systems and MS Office. A competitive benefits package is included.

Qualifications

• Five or more years of progressively responsible experience in commercial loan administration, operations, servicing, closing, documentation, or related function.
• Hands-on experience with funding, boarding, servicing transactions, construction draws, payoffs, collateral administration, insurance tracking, lien perfection, and post-closing activities.
• Knowledge of commercial loan products, documentation, accounting, controls, and reconciliation.
• Proficiency with loan systems and document-imaging tools; strong Excel, Word, and Outlook skills.
• Strong analytical, organizational, communication, and problem-solving abilities with high accuracy and judgment.
• Ability to interpret credit approvals, loan documents, and system reports under tight deadlines.

Responsibilities

• Coordinate loan closings, verify requirements, control funding, and board new and modified commercial loans.
• Process payments, advances, construction draws, renewals, modifications, rate changes, payoffs, and servicing transactions.
• Maintain complete loan files and system records, monitor maturities, insurance, collateral, liens, and exceptions.
• Reconcile accounts, review activity and reports, investigate discrepancies, and ensure proper approvals and audit trails.
• Support audits, examinations, and compliance reviews; elevate material risks and deficiencies.
• Provide guidance and quality-control support; improve procedures, workflows, reporting, and system utilization.

Skills

Analytical

Organizational

Communication

Problem solving

Tools

Excel

Word

Outlook

Job description

Job Details: Job Location: Oakland - Oakland, CA 94611, Position Type: Full Time, Salary Range: $43.00 - $50.00 Hourly, Who Are We?

With an "A" health rating and solid year-over-year growth, San Francisco Federal's (SFF) membership is now over 43,000 with assets surpassing $1.3 billion and branches located in San Francisco, San Mateo, Alameda, and Contra Costa Counties. Continuing along it highly successful growth trajectory, San Francisci Federal is seeking a Senior Commercial Loan Administrations Officer for our Oakland Branch.

The Position

The Commercial Loan Administration Officer manages the accurate, timely, and compliant administration of the Bank's commercial loan portfolio throughout the full loan lifecycle - from closing and funding through servicing, payoff, and collateral release.

This role partners across Commercial Banking, Credit, Loan Documentation, Finance, Compliance, Legal, and external service providers to maintain strong documentation, accounting, collateral, insurance, and regulatory controls.

Key Responsibilities

• Coordinate loan closings, verify approval and documentation requirements, control funding, and accurately board new and modified commercial loans.
• Process payments, advances, construction draws, renewals, modifications, rate changes, payoffs, and other servicing transactions.
• Maintain complete loan files and accurate system records, while monitoring maturities, insurance, collateral, liens, and operational exceptions.
• Reconcile loan-related accounts, review transaction activity and control reports, investigate discrepancies, and ensure proper approvals and audit trails.
• Support audits, examinations, and compliance reviews; elevate material risks, suspected fraud, policy exceptions, and documentation or collateral deficiencies.
• Serve as an operational resource, provide guidance and quality-control support, and improve procedures, workflows, reporting, and system utilization.

Required Qualifications

• Five or more years of progressively responsible experience in commercial loan administration, operations, servicing, closing, documentation, or a related commercial banking function.
• Hands-on experience with commercial loan funding, boarding, servicing transactions, construction draws, payoffs, collateral administration, insurance tracking, lien perfection, and post-closing activities.
• Working knowledge of commercial loan products, documentation, accounting, operational controls, and account reconciliation.
• Proficiency with commercial loan systems, document-imaging tools, Microsoft Excel, Word, and Outlook.
• Strong analytical, organizational, communication, and problem-solving skills, with excellent accuracy, judgment, confidentiality, and follow-through.
• Ability to interpret credit approvals, loan documents, system reports, and accounting records while managing competing deadlines in a control-sensitive environment.

Preferred Qualifications

• Seven or more years of commercial loan operations or credit administration experience in a community, regional, or commercial banking environment.
• Experience with participation or syndicated loans, SBA lending, asset-based lending, commercial real estate, or construction lending.
• Background in audits, examinations, quality control, training, workflow management, process improvement, or relevant industry coursework or certification.

Why You'll Love It Here

You'll work alongside a passionate team in a mission-driven organization, get exposure to executive decision-making, and grow your skills across a broad range of functions. No two days will be the same—and that's exactly how you like it.

The compensation package includes an excellent benefits program including health insurance plans, generous PTO, 401(k) Plan, profit sharing, competitive base salary, bi-annual bonuses, as well as tuition reimbursement.

SFF is an Equal Employment Opportunity Employer. In accordance with federal and state laws, SFF does not discriminate in employment because of race, color, religion, sex, national origin, age, physical and mental disability, marital status, pregnancy, childbirth, breastfeeding or related condition, ancestry, medical condition (associated with cancer, a history cancer or genetic characteristics), veteran or military status, sexual orientation, gender, gender identity or gender expression, HIV/AIDS status, genetic information or any other characteristic protected by law.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.