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Job Opportunity: Commercial Lending Specialist:Job description:
Commercial Lending SpecialistOverviewHudson Valley Credit Union is currently recruiting for the position of Commercial Lending Administrator. Primary Function: Provide support to Commercial Lending Operations, including preparation of department reports and maintenance of department databases and portfolio management systems; as well as all administrative aspects of the third party due diligence process. Assist with processing smaller commercial credit requests. Provide service support to internal and external member requests. Provide assistance for commercial loan processing and quality control functions, as needed. Responsibilities » Maintain complete and accurate commercial credit files as well as assisting with gathering and providing information during exams and audits. Prepare various letters to members and follow up with Commercial Loan agents and members, as needed. » Provide support to Commercial Lending staff, including preparation of pre-closing worksheets, filing all post approval documentation for all commercial loans, tracking documents out for recording and maintaining current information for the commercial loan portfolio. To also include obtaining quotes, ordering and tracking, due diligence, fund collection, and processing payments for all third party reports and third party report reviews. » Prepare and regularly update required department, management and Board reports. Prepare minutes for department meetings. Prepare memos and supporting documentation for these meetings, as needed. Work with department staff to distribute Commercial Loan Committee packages. » Maintain and update department procedures. To include tracking of procedure updates and changes. » Have a general knowledge of commercial loan terminology and commercial loan ratios including debt-to-earnings ratio, debt service coverage ratio, and loan to value ratio. » Assist with the maintenance of all commercial loans on the loan origination/servicing system, and submit service requests, as needed. » Provide administrative support for department supplies and software and follow up with vendors on all requested services. Provide backup coverage for commercial loan processing and quality control functions, as needed. » Achieve goals assigned to the Commercial Lending Specialist as part of the assigned departments’ annual operating plan. To include suggesting and assisting with implementing process improvements to enhance member practice and increase department efficiencies » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Qualifications » High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required » Minimum 2 years of prior practice in a lending environment practice preferred » Minimum 2 years of practice in Commercial Loan documentation preferred » Minimum 2 years of knowledge of database, excel and report preparation preferred, and practice with On Base is a plus Why choose HVCU? HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours! Employee Perks: » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Flexible Spending Account (medical & dependent care) » Life, Short-Term, and Long-Term Discapability Insurance » Employee Assistance Program » Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement » HVCU University & Academy; professional development training » Discounted Loan Rates & Fees Diversity Commitment: “At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.” Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required » Minimum 2 years of prior practice in a lending environment practice preferred » Minimum 2 years of practice in Commercial Loan documentation preferred » Minimum 2 years of knowledge of database, excel and report preparation preferred, and practice with On Base is a plus Why choose HVCU? HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours! Employee Perks: » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Flexible Spending Account (medical & dependent care) » Life, Short-Term, and Long-Term Discapability Insurance » Employee Assistance Program » Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement » HVCU University & Academy; professional development training » Discounted Loan Rates & Fees Diversity Commitment: “At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.” Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » Maintain complete and accurate commercial credit files as well as assisting with gathering and providing information during exams and audits. Prepare various letters to members and follow up with Commercial Loan agents and members, as needed. » Provide support to Commercial Lending staff, including preparation of pre-closing worksheets, filing all post approval documentation for all commercial loans, tracking documents out for recording and maintaining current information for the commercial loan portfolio. To also include obtaining quotes, ordering and tracking, due diligence, fund collection, and processing payments for all third party reports and third party report reviews. » Prepare and regularly update required department, management and Board reports. Prepare minutes for department meetings. Prepare memos and supporting documentation for these meetings, as needed. Work with department staff to distribute Commercial Loan Committee packages. » Maintain and update department procedures. To include tracking of procedure updates and changes. » Have a general knowledge of commercial loan terminology and commercial loan ratios including debt-to-earnings ratio, debt service coverage ratio, and loan to value ratio. » Assist with the maintenance of all commercial loans on the loan origination/servicing system, and submit service requests, as needed. » Provide administrative support for department supplies and software and follow up with vendors on all requested services. Provide backup coverage for commercial loan processing and quality control functions, as needed. » Achieve goals assigned to the Commercial Lending Specialist as part of the assigned departments’ annual operating plan. To include suggesting and assisting with implementing process improvements to enhance member practice and increase department efficiencies » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Skills:
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