Senior Commercial Loan Processor

Valley First a division of Tru Cooperative Bank; Modesto (CA); On-site; USD 44,000 - 55,000; Full time

Job summary

Valley First is seeking a Senior Commercial Loan Processor to manage the full commercial lending lifecycle, from documentation to funding and servicing, ensuring compliance with policy and regulatory standards. The role emphasizes relationship management with commercial members, cross‑functional collaboration, and accurate portfolio stewardship.

The position requires 8+ years in commercial/SBA lending and business banking, a bachelor's degree, and strong analytical, communication, and

Qualifications

• 8+ years of experience in commercial and SBA lending, compliance, and documentation regulations.
• 8+ years of experience in business banking.
• Bachelor’s degree in management, accounting, finance, or related courses (or extensive in‑house training).
• Ability to make decisions and exercise good judgment.
• Technical aptitude to understand complex programs and applications.
• Courtesy, tact, and diplomacy in interactions inside and outside the organization.
• Strong written, verbal, and interpersonal skills; detail‑oriented and organized.

Responsibilities

• Oversee preparation, processing, and review of commercial and small business loan documentation.
• Coordinate loan closings with internal and external stakeholders.
• Review collateral documents and ensure completeness of loan packages.
• Manage pre‑closing conditions (insurance, etc.) and post‑closing reviews.
• Prepare funding instructions and coordinate with accounting for timing.
• Order and interpret third‑party reports; determine authorized parties for loans.
• Maintain borrower relationships and act as primary contact for inquiries.
• Support annual credit reviews and loan renewals; track due dates and gather financials.
• Monitor maturities and covenant requirements; identify retention or expansion opportunities.
• Conduct site inspections and client meetings to ensure adherence to loan terms.
• Maintain and organize loan files with borrower and guarantor financials and returns.
• Other duties as assigned by Lending leadership.

Skills

Decision making

Technical aptitude

Interpersonal skills

Time management

Analytical thinking

Problem solving

Attention to detail

Communication

Education

Bachelor's degree

Job description

About the Organization Billion-dollar credit union serving nearly 80,000 members throughout California's beautiful Central Valley is looking to expand their team. For over 75 years we have been providing superior service for our members and community. As a not-for-profit financial cooperative we believe in banking with a purpose and therefore annually return millions of dollars to our members in the form of better rates, lower fees, and access to fair credit. We pride ourselves in helping our members achieve their financial dreams. At the end of the day, we are optimists, partnering with our members and community to empower a brighter future. Together, we are doing great things for the community we call home.

Description

The Senior Commercial Loan Processor reports directly to and works under the supervision of the Chief Lending Officer.

The Senior Commercial Loan Processor supports the full commercial lending relationship lifecycle by preparing, processing, reviewing, closing, and servicing commercial and small business loans. The role combines loan operations expertise with relationship management responsibilities, serving as a responsive point of contact for assigned members, supporting portfolio retention and growth, and coordinating customized lending, deposit, and related business banking solutions with internal partners.

This position ensures loans are structured, documented, funded, serviced, and reviewed in accordance with credit approvals, credit union policy, and applicable federal and state requirements. The incumbent exercises independent judgment, partners with lending and risk personnel, assists with annual reviews and renewals, and provides timely after-sales service, including payoff, payment, and line of credit advance processing. The role delivers an exceptional member experience while protecting the credit union and supporting the quality and profitability of the commercial loan portfolio

• Collaborate with all Vice Presidents of Commercial Banking to oversee preparing, processing, and reviewing commercial and small business loan documentation, ensuring efficient processing and closing.
• Act as a liaison with internal and external stakeholders to facilitate timely and successful loan closings.
• Review and verify collateral documents, categorize and re-index pre-closing documentation, and ensure completeness and accuracy of loan document packages.
• Manage pre-closing conditions, including insurance requirements, and perform post-closing final reviews of documents.
• Prepare loan funding instructions and coordinate with accounting for timely funding.
• Exercise independent judgment in ordering and interpreting third-party reports, determining authorized parties for loan transactions, and managing compliance requirements.
• Proactively contact borrowers to obtain necessary documentation and facilitate loan closing dates.
• Serve as a primary point of contact for borrowers, maintaining strong business relationships and resolving concerns or questions.
• Manage and deepen assigned commercial member relationships by maintaining regular contact, understanding each member’s business and financial needs, coordinating appropriate credit union solutions, and serving as a primary point of contact throughout the relationship lifecycle.
• Assist with after-sales loan servicing requests, including preparing and processing loan payoff requests, payments, and line of credit advances; verify authorization and supporting documentation; coordinate with internal departments; and communicate status and completion to members and lending personnel.
• Support annual credit reviews and loan renewals for assigned relationships by tracking due dates, requesting and organizing current financial information, reviewing files for completeness, processing review packages, updating applicable systems, and coordinating with relationship and risk officers to ensure timely completion.
• Monitor assigned relationships for upcoming maturities, covenant and documentation requirements, service needs, and opportunities to retain or expand the relationship; promptly elevate credit, compliance, or member service concerns to lending leadership.
• Conduct site inspections and client meetings to ensure adherence to loan agreements and terms.
• Monitor and adjust daily workflow to meet operational commitments, identify areas for improvement and recommend solutions.
• Manage an assigned credit application portfolio, respond to customer credit questions, and conduct independent calls on assigned relationships.
• Develop new business opportunities by expanding existing client relationships and bringing new clients to the credit union.
• Submit loan and credit card applications and opens Consumer and Business deposit accounts.
• Participate in sales calls and identify customer needs with all Vice Presidents of Commercial Banking.
• Ensure accurate monthly and pipeline reporting of commercial activities in collaboration with lending leadership.
• Maintain loan files with current borrower and guarantor financial statements, tax returns, and related documents.
• Other duties as assigned by Lending leadership.

Experience, Education & Skills

• 8+ years of similar or related experience in commercial and SBA lending, compliance, and documentation regulations.
• 8+ years of similar or related experience in business banking.
• A bachelor’s degree in management, accounting, finance, or related courses, completion of a specialized study at school, or extensive in-house training.
• Ability to make decisions and use good judgement and ingenuity.
• Technical aptitude to understand complex programs and applications.
• Displays courtesy, tact, and diplomacy during personal contact with others inside and/or outside the organization for giving or obtaining information, building relationships, or soliciting cooperation.
• Strong written, verbal, and interpersonal skills.Detail-oriented, organized, accurate, and able to adapt to change. Excellent decision-making and time-management skills.
• Well-developed analytical and problem-solving skills. Ability to troubleshoot problems and research capabilities of current or proposed products.

Pay Range and Schedule

• This position is a Tier 10, with a pay rate ranging from $32.00- $40.00 per hour
  • The anticipated pay rate for new hires is between the low-end and midpoint of the range, depending on experience
  • The pay rates listed above are based upon the geographic location of our Administrative Offices in Modesto, CA using the greater Central Valley area for our pay range calculations
• Full Time, typically 40 hours per week
• Schedule will be based around department's hours of operation, which are as follows:
  • Monday to Friday - 8am to 5pm
  • Flexibility to occasionally work early or late hours, typically with advance notice

Position Requirements

Mental/Emotional Requirements

• Technical aptitude to understand complex programs and applications.
• Displays courtesy, tact, and diplomacy during personal contact with others inside and/or outside the organization for giving or obtaining information, building relationships, or soliciting cooperation.
• Strong written, verbal, and interpersonal skills.
• Detail-oriented, organized, accurate, and able to adapt to change. Excellent decision-making and time-management skills.
• Well-developed analytical and problem-solving skills. Ability to troubleshoot problems and research capabilities of current or proposed products.

Physical Requirements

• Exert up to 20 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects.
• Sedentary work involves sitting most of the time.
• The incumbent must have close visual acuity to perform an activity such as preparing and analyzing data and figures, typing, viewing a computer screen, and reading.
• Climb/descend stairs in an emergency.
• Operate routine office equipment, including personal computers, copy machines, mobile and landline phones, calculators, and others as needed.
• Maintain working on a computer for six to eight hours daily.
• Work extended hours if required or requested by management.
• Regular, reliable, and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Other Requirements

• Perform job functions independently, or with limited supervision, and work effectively either on own or as part of a team.
• Read and carry out various written instructions and follow oral instructions.
• Speak clearly and deliver information in a logical and understandable sequence.
• Effectively handle multiple, simultaneous, and changing priorities.
• Exercise highest level of discretion on both internal and external confidential matters.

Location

Administrative Office

Full-Time/Part-Time Full-Time

Exempt/Non-Exempt Non-Exempt

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

This position is currently accepting applications.