Commercial Loan Processor II

We need to output HTML fragment with sections: Use

for headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include sections only if posting has real specific content. The posting includes: Job Type, Exemption Type, Wage Amount, Primary Functions (description), Essential Duties and Responsibilities (list), Education and Experience, Knowledge, Skills & Abilities, Physical Functions. No explicit Benefits, Pay (though wage amount is given), Schedule (full-time/hybrid). We have wage amount: $28.57 per hour minimum. That's pay info. Schedule: Full-time/Hybrid. So we can include Pay and Schedule sections. Benefits not mentioned, so omit. Also we need About the role maybe from Primary Functions? Could treat Primary Functions as About the role. Or we could have About the role section summarizing primary purpose. The instruction: Use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). Do NOT repeat the job title as a heading. So we need to decide which headings to include based on content. We have: - About the role: could be the Primary Functions paragraph (first paragraph). That's prose. - Responsibilities: Essential Duties and Responsibilities (list). Use

• . - Requirements: Education and Experience (maybe combine). Could be Requirements heading. - Qualifications: Knowledge, Skills & Abilities (maybe Qualifications). Or Skills heading. - Skills: maybe separate? But we have Knowledge, Skills & Abilities; we could put under Skills heading. - Pay: Wage Amount. - Schedule: Job Type (Full-time/Hybrid) and Exemption Type maybe. We must not create sections with filler like "not specified". We have actual content. We need to preserve all substantive information; do not invent or summarize away detail. So we need to include all details from the posting, but we can format them. We must remove boilerplate: cookie/navigation/legal/EEO etc. Not present. We must not repeat job title as heading (we don't have job title given). So fine. We must not put Job ID/requisition numbers as headings (none). We need to output only HTML fragment, no /, no markdown fences. Thus produce something like:

  About the role

  ...

  Responsibilities

  • ...
  ...

  Requirements

  ...

  (Education and Experience)

  Skills

  ...

  (Knowledge, Skills & Abilities)

  Pay

  $28.57 per hour minimum

  Schedule

  Full‑time, Hybrid

  We might also include Exemption Type (Non-exempt) maybe under Schedule or separate? Could add under Schedule as part of description. But we have only Pay and Schedule headings allowed; we could incorporate Exemption Type into Schedule paragraph. We must preserve all substantive information: includes Primary Functions paragraph, Essential Duties list, Education and Experience, Knowledge, Skills & Abilities, Physical Functions. Did we miss Physical Functions? We need to include that somewhere. Could be under Requirements or maybe a separate section like Physical Requirements but not in allowed headings. Could incorporate into Requirements or Skills. But we must not invent headings not listed; but we can add extra headings if they are appropriate? The instruction says use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings, but says "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It seems they expect those headings. It says "include a section ONLY when the posting has real, specific content for it". So we can add other headings if needed, but they gave examples. Safer to stick to those headings and fit all content into them. We can put Physical Functions under Requirements or Skills. Probably under Requirements as part of job requirements. Thus Requirements section will include Education and Experience plus Physical Functions. Skills section will include Knowledge, Skills & Abilities. We need to ensure we don't lose any detail. Let's extract details: Primary Functions paragraph: "The primary purpose of this position is to provide outstanding internal and external (team) member service by providing a variety of loan funding support services to the business lending membership. You will be responsible for the processing of commercial loan files from approval to closing of the transaction, including extensive collection and tracking of sensitive financial documents. You will collect and verify purchase contracts, title work, appraisals, income, credit, asset, and loan disclosure documentation and ensure file completeness while working with underwriters, loan officers, members, and other credit union departments daily. This role requires a strong focus on member service, file accuracy, turn times, and problem-solving skills to resolve any issues with loan files. This role will also serve as a subject matter expert for commercial loan processing and support training and coaching of Level I team members." That's the About the role. Essential Duties and Responsibilities list (many items). We'll need to copy each as

  . Education and Experience: "High school diploma or G.E.D. equivalent required. Bachelor’s degree preferred. Four years of financial institution experience required, including two years of lending experience. Two years of commercial loan processing experience required, including real estate loans. Additional specialized or technical training in mortgage or commercial loan processing preferred." Physical Functions: "Must have the ability and stamina to work at least 40 hours per week. Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data. Must be able to communicate extensively through telephone, email, and in-person communications. Must be able to engage in problem-solving skills to help identify and resolve potential issues in the field" Knowledge, Skills & Abilities: "Strong knowledge of commercial lending products, procedures, policies, and laws. Strong knowledge of commercial loan processing, preparing and reviewing loan documentation including appraisals, title work, tax valuations, insurance, surveys, and payoff letters. Strong understanding of loan structures and documentation for commercial real estate, secured, and unsecured loans. Strong knowledge of NCUA regulations and guidance for commercial and member business loans, and federal lending regulations including HMDA, ECOA, and RESPA. Basic knowledge of Small Business Administration (SBA) lending programs, products, and processing. Excellent verbal and written communication skills. High level of professionalism, diplomacy, courtesy, and tact. Comprehensive math skills and excellent computer skills, including MS Office Suite experience. Ability to work independently and as part of a team, with flexibility to adapt to change. Problem-solving skills, ability to research and interpret information, as well as manage conflict. Working knowledge of Symitar Quest, including posting transactions." Pay: "$28.57 per hour minimum" Schedule/Job Type: "Job Type: Full- time/ Hybrid Exemption Type: Non- exempt". So schedule: Full-time/Hybrid. Exemption type: Non-exempt. We could include both in Schedule paragraph: "Full‑time, Hybrid; Non‑exempt". Now produce HTML. Make sure to escape any HTML special characters? Not needed. We'll output:

  About the role

  The primary purpose of this position is to provide outstanding internal and external (team) member service by providing a variety of loan funding support services to the business lending membership. You will be responsible for the processing of commercial loan files from approval to closing of the transaction, including extensive collection and tracking of sensitive financial documents. You will collect and verify purchase contracts, title work, appraisals, income, credit, asset, and loan disclosure documentation and ensure file completeness while working with underwriters, loan officers, members, and other credit union departments daily. This role requires a strong focus on member service, file accuracy, turn times, and problem-solving skills to resolve any issues with loan files. This role will also serve as a subject matter expert for commercial loan processing and support training and coaching of Level I team members.

  Responsibilities

  • Answer all incoming phone calls regarding commercial loan processing questions relating to new applications and coordinating and closing of new loan requests and loan renewals.
  • Assist branch staff and other credit union departments with commercial loan closing questions.
  • Obtain necessary information from members, CUSO (Credit Union Services Organization), or outside sources.
  • Review loan applications for accuracy and completeness and verify all applicable information, including rates and terms.
  • Review company agreements and other entity documentation to appropriately capture signatures on borrowing authorizations.
  • Independently prepare loan documents, coordinate loan closings, fund and book loans for non-complex transactions.
  • Assist with loan documents, closings, and funding for complex transactions such as portfolio loans or complex entity structures.
  • Independently review real estate documentation including warranty deeds, title commitments, and closing statements.
  • Communicate with members, dealers, title companies, and realtors as needed regarding loan closing processes and policies.
  • Manage personal commercial loan pipeline in accordance with process flow expectations, including meeting closing dates and communicating with members, team members, and third parties associated with loan files being processed.
  • Order, review, and clear conditions on all real estate appraisals, title commitments, tax valuations, insurance, flood determinations, surveys, and payoffs.
  • Identify, prepare, and validate all fees associated with processed loan files to ensure accurate and compliant preparation of loan documents.
  • Work with loan officers and members to clear all conditions and outstanding items prior to requesting clear to close.
  • Independently monitor and track application flow from member to loan officer to closing and funding.
  • Collect signatures for loan closings via mail or DocuSign and coordinate with mobile notaries as needed.
  • Create and fund loans and disburse loan proceeds by wire, cashier’s check, or share deposit.
  • Prepare title work packets for all vehicle loans and file UCC liens when applicable.
  • Ensure loan packets and supporting documentation are filed in the imaging system.
  • Complete quality control audits of closed loans.
  • Assist with set up and implementation of new products and processes utilizing technology.
  • Provide routine information, in person or by phone, concerning credit union services or policies.
  • Make override or exception decisions for non-complex situations within established guidelines and procedures.
  • Assist leadership team with resolving problems and triaging complex situations.
  • Assist with training and basic coaching of Level I team members.
  • Assist with leading team huddles and meetings.
  • Work toward advanced knowledge of complex processing functions including commercial real estate loan documents and disclosures, federal and state regulatory requirements.
  • Consistently meet or exceed Level II minimum expectations.
  • Maintain job-level knowledge by attending assigned training and reviewing procedures to perform all duties required of the position.
  • Participate in departmental projects and initiatives.
  • Complete annual regulatory training as assigned.
  • Conduct individual dialogues with immediate supervisor, minimum quarterly.
  • Perform other duties as assigned.

  Requirements

  High school diploma or G.E.D. equivalent required. Bachelor’s degree preferred. Four years of financial institution experience required, including two years of lending experience. Two years of commercial loan processing experience required, including real estate loans. Additional specialized or technical training in mortgage or commercial loan processing preferred. Must have the ability and stamina to work at least 40 hours per week. Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data. Must be able to communicate extensively through telephone, email, and in-person communications