• Verify and audit all loan documents and information provided by the customer and loan officer.
• Process the loan to submit to underwriting which includes a review of appraisal and all supporting documents to the loan
• Collect and audit Conditions received.
• Prepare files to submit to closing which includes auditing the title work, survey, Flood, CIP, Fraud Guard, and HOI
• Work closely with the title company & loan officer to get documents and CDs prepared promptly.
• Review CD and communicate changes needed to closing and with the LO and Closer
• Follow up with closing to make sure all items necessary to fund the loan have been received.
• Ensure that all compliance regulations have been met
• Orders all documents needed for loan files such as appraisal, title, insurance, flood, CIP, Fraud Guard & verify
• Answer telephone and reply to messages timely.
• Complete, organize and close loan documentation and files.

Skills: Document Verification, Loan Processing, Condition Auditing, File Preparation, Collaboration with Title Companies, Compliance Review, Document Ordering, Effective Communication

• Process various types of commercial loans, collecting and disseminating all appropriate information
• Work with attorneys and lenders to prepare loan documentation
• Interpret, assemble, and verify the accuracy of loan documentation.
• Check documents for proper vesting, legal descriptions, closing dates and signatures.
• Performs duties requiring knowledge of departmental policies and procedures and financial institution products and services.
• Take information from various sources and input into designated computer programs with a high degree of accuracy
• Order additional information from outside sources
• Create General Ledger entries to properly post the disbursement of funds and receipt of expense reimbursement collected from the customer.
• Answers telephone and written inquiries concerning loan processing and information.
• Perform routine duties with minimal supervision using standard practices or procedures.
• Comply with all safety policies, practices, and procedures. 

Skills: Commercial Loan Processing, Loan Documentation, Document Verification, Policy Knowledge, Data Entry, Information Sourcing, General Ledger Management, Regulatory Compliance

• Processing of NON-TRID Business purpose loans through commercial retail and commercial broker channels
• Reviewing all documents before submitting to underwriting to ensure all conditions are met.
• Conducting preliminary risk reviews as well as reviewing lease agreements, LLC or other entity docs, assets, and all third-party documents.
• Assure loans meet program/product specifications before submission.
• Partner with an Account executive or Broker to develop strong workflow processes.
• Achieving productivity and pull-through standards with quality goals.
• Communicate directly to the client either via phone or email to ensure the client understands the process flow and timeline to closing the loan
• Report all unsafe activities to the supervisor and/or Human Resources.
• Participate in proactive team efforts to achieve departmental and company goals.
• Completes required reports and records

Skills: NON-TRID Loan Processing, Document Review, Risk Assessment, Compliance Verification, Workflow Development, Productivity Standards, Client Communication, Reporting

• Takes applications for commercial loan business
• Analyzes member financial condition to include credit histories, corporate financial statements, and other financial information to assess the member’s ability to repay the loan
• Makes underwriting decisions within loan approval authority
• Completes or directs completion of all loan documents and closes loans
• Participates in developing lending and deposit business for the Credit Union
• Calls on prospects, seeking opportunities to expand the Credit Union’s member base
• Monitors existing loan portfolio to maintain a high-quality asset base
• Maintains up-to-date member files including current balance sheets, profit and loss statements, cash flow projections, and all associated loan documentation
• Assists members with loan-related questions and concerns
• Stays abreast of new types of loans and other financial services and products to better meet members' needs

Skills: Loan Application Processing, Financial Analysis, Underwriting, Loan Documentation, Business Development, Client Outreach, Portfolio Management, Customer Service

• Preparing loan documentation for commercial and consumer loans using Laser Pro and coordinating with attorneys on attorney-prepared loans.
• Review loan documents for accuracy
• Create a documentation checklist of the required documents needed to close the loan.
• Communicate regularly to the RM concerning the status of the remaining documents needed to close the loan.
• Checking documents for proper vesting, legal descriptions, closing dates, and signatures
• Ordering and analyzing UCC lien searches
• Ordering and analyzing real estate title reports
• Ordering and analyzing environmental reports, EDR reports, and appraisals.
• Closing loans with clients of the bank
• Must be able to read flood certifications and determine when flood insurance

Skills: Loan Documentation Preparation, Document Review, Checklist Creation, Communication Management, Document Verification, UCC Lien Analysis, Title Report Analysis, Environmental Report Analysis

• Review the closing package to ensure the loan closing file contains documents with proper signatures, dates, and other relevant data
• Board and fund loans onto the bank’s core computer system
• Imaging and properly indexing credit and collateral documents for storage
• Setting up loan document exceptions in the bank’s tracking system in addition to clearing the document exception when the outstanding document is received by the bank.
• Tracking and reporting approved and funded transactions
• Setup real estate property tax tracking in Accumatch
• Review insurance obtained at closing to ensure the required insurance was obtained
• Ensure loan decisions comply with all applicable Federal, State, and lending regulations, policies, and procedures
• Troubleshoot and resolve member and internal inquiries in a timely and accurate manner
• Provide informed, professional, and accurate service and support to all members and associates

Skills: Closing Package Review, Loan Funding, Document Imaging, Exception Tracking, Transaction Reporting, Tax Tracking, Insurance Review, Regulatory Compliance

• Prepare due diligence checklist
• Track receipt and completeness of borrower and property due diligence
• Order third-party reports (appraisal, environmental, etc.)
• Order and review credit report as well as preliminary title report
• Upload and track documents in nCino (document manager application
• Prepare insurance request letter and ensure that final insurance meets Fremont Bank Guidelines
• Understand the purpose and reasoning for each document 
• Send renewal letters on a monthly basis
• Prepare loan withdrawal/decline packages
• Update/track loan status regularly in the Bank’s database

Skills: Due Diligence Preparation, Document Tracking, Third-Party Report Ordering, Credit Analysis, Document Management Software Utilization, Insurance Compliance, Document Understanding, Loan Status Monitoring

• Review credit approvals to prepare loan documentation according to the bank’s policies and procedures.
• Collaborate with customers, lenders, bank employees, and others to successfully close and fund commercial loans.
• Funding and boarding a wide variety of loans to the core processing system.  
• Work to record and track exceptions and outstanding items.
• Meet weekly with a loan officer(s) to review current pipelines, reports and outstanding items.
• Resolve daily issues such as overdrafts, payment processing, advances, past due notes, and customer service issues.
• Maintain loan files pre/post-closing with updated information
• Attends and participates in meetings and committees 
• Achieve or exceed assigned loan volume (dollars and/or numbers)
• Ensure loan decisions are relayed to appropriate parties within X hours/days

Skills: Loan Documentation, Collaborative Coordination, Loan Funding, Exception Tracking, Pipeline Management, Issue Resolution, File Maintenance, Meeting Participation

• Draft various checklists, forms, and correspondence for preparation and coordination of due diligence items for lenders and equity institutions.
• Participate in frequent conference calls with developers, lenders, attorneys, and underwriters to update all parties on the status of the due diligence process.
• Preparation of tax credit applications, bond applications, and other financing packages.
• Order and review third-party reports including but not limited to title, survey, zoning letters, appraisals, and environmental studies.
• Interacts closely with the underwriter and originator, clients, attorneys, third-party vendors, city authorities, team members, and others
• Maintain electronic due diligence files in line with existing processes and standards.
• Review documents and provide comments to the Development team and external parties.
• Process all file invoices for payment following closing.
• Monitor and update project management software to track incoming loan application deposits, and to ensure timely completion of tasks and accurate reporting.
• Assist in funding agricultural and commercial loans

Skills: Document Drafting, Conference Coordination, Financial Application Preparation, Third-Party Report Review, Stakeholder Interaction, Electronic File Maintenance, Document Review, Project Management Software Utilization

• Establish and maintain organized commercial loan files.
• Processes loans by policies and procedures, while utilizing the applicable Checklist to ensure collection and verification of all required information.
• Organizes and assembles credit files. 
• Performs preliminary cataloging and review of loan file information for accuracy and completeness including, but not limited to, estoppels, SNDAs, insurance, operating statements, credit reports, tax returns and borrower financial information.
• Review loan files to determine the documents required for each loan request. 
• Review incoming loan proposals and determine what additional information is required to complete the loan file.
• Pull third-party reports including, but not limited to, UCC searches, flood determinations, credit reports, business entity documents and certificates of good standing.
• Ensures accurate and timely completion of loan files to meet processing timeline expectations and requirements.
• Tracks and reports processing of loans in progress utilizing pipeline reporting software.
• Facilitates and coordinates all loan processing processes with stakeholders

Skills: File Organization, Loan Processing, Credit File Assembly, Document Review, Information Verification, Report Management, Timeline Adherence, Stakeholder Coordination

• Experience with LaserPro, Credit Quest and Fiserv Premier systems 
• Related loan processing experience and or training for all types of loans 
• SBA, SWAP, Lines of Credit & Guidance Lines, Construction and other Commercial loan types.
• Ability to handle high volume, prioritize and function effectively to meet deadlines in a fast-paced environment
• Strong communication and organizational skills with a focus on teamwork and cooperation.
• Solid working knowledge of banking industry practices relative to bank loan operations concerning loan products & services
• Knowledge of related state and federal lending and compliance laws and regulations.
• Demonstrated ability to work well with people, both internally and with external customers.
• Ability to handle confidential information
• Basic accounting/math skills 

Qualifications: BA in Real Estate with 3 years of Experience

• Demonstrate softphone skills by politely treating all customers.
• Customer Service: community-inspired and pride ourselves on offering exceptional service to both internal and external customers. 
• Highly motivated and able to motivate others.
• Extremely cooperative and helpful to others.
• Ability to prioritize tasks and use time efficiently.
• Ability to adjust quickly to different work situations, and remain composed under pressure and in stressful situations.
• Regard for important details to assure accuracy in every transaction performed, detect errors, and follow through on corrections and detail.
• Responsible for knowing and following Bank Security Act (BSA) and Customer Identification Program (CIP) regulations, policies, and procedures.
• Must have flexibility to deal with changing work hours.

Qualifications: BA in Accounting with 3 years of Experience

• Ability to learn and use the Bank's PC hardware and software
• Proficient in Microsoft Office products, including Word, Excel, and Outlook.
• Contribute to a work environment that fosters pride in being part of a winning team and promotes personal growth.
• Ability to perform basic math, compute rate, ratio, percent, draw and interpret bar graphs.
• Ability to read, write and comprehend simple instructions, correspondence, and memos.
• Effectively present information in a one-on-one and small group situation to customers and other employees.
• Ability to Interpret documents such as procedure manuals, work instructions, software manuals, entity documents, security agreements, real estate mortgages, and other commercial loan documents.
• Demonstrate strong oral/communication, organization, attention to detail and problem-solving skills.
• Ability to work in a team environment and take direction from management and supervisors.
• Ability to effectively manage one's time to complete work according to established deadlines. 

Qualifications: BA in Economics with 5 years of Experience

• Progressive commercial or business lending processing experience.
• Experience with new accounts and loan applications.
• Strong word processing skills and professional appearance and attitude.
• Well organized and attentive to detail.
• Excellent communication, customer service abilities, phone skills and professional phone etiquette
• Efficient, accurate, and able to deal with people.
• Strong problem-solving, analysis, and financial skills.
• Able to prioritize tasks and assignments.
• Able to professionally represent self, department, and AFCU to members, staff, and outside entities
• Able to use PC, printer, phones, fax, and business equipment and operate required computer applications and software
• Able to analyze loan documents, processing documents and other account information.

Qualifications: BA in Business Administration with 4 years of Experience

• Coursework in general office skills
• Thorough knowledge of credit union products, services, policies, and procedures.
• Knowledge of related computer applications required for the development of credit union business.
• Understanding of business services and commercial lending functions.
• Understanding of training and development processes.
• Understanding of creditworthiness.
• Knowledge of related legal requirements, regulatory standards, and necessary loan documentation.
• Understanding of interest rates and how they are computed.
• Understanding of member development techniques.
• Strong in MS Office software applications.
• Demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.

Qualifications: BA in Finance with 1 years of Experience

• Adapt positively to change, prioritize, organize, and plan work
• Manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
• Use time efficiently and achieve results within time frames. 
• Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
• Ability and willingness to make sound decisions
• Ability to identify and resolve problems in a timely and positive manner
• Exhibit sound judgment and appropriately handle both routine and non-routine situations.
• Accept responsibility for own work performance
• Accepts responsibility for own actions and outcomes and does not blame others. 
• Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. 
• Conduct follow-through and meet commitments and agreements in a timely manner

Qualifications: BA in Real Estate with 3 years of Experience

• Have commercial Loan experience
• Accuracy and attention to detail are essential
• Advanced computer, calculator, and typing skills.
• Good oral and written communication skills.
• Ability to perform under pressure and meet deadlines.
• Comply with all bank policies and procedures that are job-related and/or consistent with business necessity.
• Courtesy, tact, and diplomacy are essential elements of the job. 
• Relate to others in an open and accepting manner; friendly and approachable. 
• Cultivate rapport with all persons encountered at work.
• Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate 
• Effective communication tools and techniques. 

Qualifications: BA in Accounting with 2 years of Experience

• Willingness and desire for continuous learning to maintain and enhance professional expertise in the field
• Knowledge of secondary market investor requirements, compliance requirements, selling procedures and guidelines.
• Knowledge of Federal and State laws, rules and regulations related to real estate lending and credit unions.
• Knowledge of processing real estate loan files to meet RCU and Fannie Mae standards.
• Skill in operation of a PC, Word, Excel, Loan Origination Systems (Mortgage Cadence, etc.), Symitar, Point and Desktop Underwriter.
• Skill in using an Internet-based origination system, an information system for depositories, and an Internet-based document prep software.
• Ability to communicate effectively both verbally and in writing.
• Ability to establish and maintain effective working relationships with a diverse group of people.
• Maintain customer confidentiality.
• Sense how others feel; treat others with fairness, dignity, and respect. 

Qualifications: BA in Economics with 4 years of Experience

• Prior knowledge/understanding of bank policies and government regulations/laws that pertain to lending
• Be able to interact and communicate effectively with various types of internal and external customers
• Be able to always uphold confidentiality and customer privacy
• Excellent written and verbal communication skills
• PC, phone system, general office equipment
• Proficient in using the suite of Microsoft Office systems including Teams, Excel, and Word.
• Ability to maintain strict confidentiality
• Strong organizational skills with attention to detail and accuracy
• Must be a team player who is open to change
• Ability to analyze situations and recommend solutions.

Qualifications: BA in Business Administration with 3 years of Experience

• Commercial loan processor or commercial loan assistance experience, including documentation preparation, is mandatory in the banking/financial industry.
• Experience with LaserPro.
• Ability to compute basic to moderately complex math calculations.
• Proven problem-solving, critical thinking, and analytical skills. 
• Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
• Exhibit attention to detail and accuracy.
• Proficiency in using office programs (e.g., MS Excel, MS Word).
• Strong organizational and time management skills and ability to prioritize.
• Demonstrate willingness and desire to interact in a team environment.
• Detail-oriented to review information and documents for accuracy.

Qualifications: BA in Finance with 2 years of Experience