Senior Commercial Lending Specialist

Job Description

JOB INFORMATION

Title:

Senior Commercial Lending Specialist

Officer Title:

Grade:

20.5

FLSA Classification:

Non-Exempt

Date Last Edited:

4/17/2025

Reports To:

Manager Commercial Lending

Department:

Commercial Lending Operations

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=1115

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 the third party due diligence process. Primarily responsible for assisting with the more complex and/or time sensitive commercial loan files, relying on extensive commercial loan processing and third party report due diligence experience to make sound decisions and recommendations. Provide support to internal and external member requests. Complete commercial loan quality control and data for various reports, including HMDA. Responsible for reconciliation of GL accounts and processing of invoices and checks received for various commercial lending functions.

•

Track, monitor and provide regular updates on the third party due diligence process, specifically commercial appraisal and environmental reports. To include obtaining quotes, ordering, collecting funds and processing payments for commercial appraisal and environmental reports and reviews.

•

Complete commercial loan quality control and data for various reports, including HMDA.

•

Prepare and regularly update required Commercial Lending department, management and Board reports. To include pipeline, watch list, portfolio, exception, SBA, UCC expiration, and various other monthly or quarterly reports.

•

Responsible for overseeing the reporting, payment application, and maintenance of SBA Loans (including PPP loans), as needed.

•

Oversee the distribution of HVCU Business Loan Committee packages as well as reviewing minutes for these meetings.

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Provide support to Commercial Lending staff, including tracking documents out for recording and maintaining current information for the commercial loan portfolio.

•

Oversee the maintenance of complete and accurate commercial credit files as well as assisting with gathering and providing information during exams and audits. To include maintaining and updating participation loan files and participation due diligence documents.

•

Primarily responsible for reconciliation of GL accounts and processing of invoices and checks received for various commercial lending functions.

•

Ensure vendor management system is updated and maintained by collecting required due diligence information from vendors and submitting to the appropriate area/system.

•

Provide backup support to Commercial Lending Specialist I, as needed.

•

Maintain and update department procedures. To include tracking of procedure updates and changes.

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Have a strong understanding of commercial loan terminology and commercial loan ratios including debt-to income ratio, debt service coverage ratio, and loan to value ratio.

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Assist with the maintenance of all commercial loans on the loan origination/servicing system, and submit service requests, as needed.

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Provide backup coverage for commercial loan processing and administrative functions, as needed.

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Achieve goals assigned to the Senior Commercial Lending Specialist as part of the assigned departments’ annual operating plan. To include suggesting and assisting with implementing process improvements to enhance member experience and increase department efficiencies.

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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 duties 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.

Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience.

X

Bachelor’s Degree

X

Minimum 5 Years

Commercial/business lending experience

X

Knowledge of database, excel and report preparation required.

X

Commercial loan documentation experience, in particular with appraisal and environmental reports

X

Experience with Synergy/document imaging system preferred.

X

•

Ability to read, understand and interpret documents, procedures and policies.

•

Good interpersonal and organizational skills, routinely demonstrate professionalism and work effectively within a team environment.

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Ability to multi-task and be productive in a high volume commercial lending department.

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Ability to multi-task and handle varying deadlines within a fast paced work environment.

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Have or acquire complete understanding of the variety of products and services offered by the credit union.

•

Ability to cross-train in other areas of Commercial Lending and/or lending departments.

•

Ability to work in a fast-paced environment and deal with a variety of internal/external customer and vendor situations.

•

Work independently during extended hours.

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Ability to work well collectively and autonomously

•

Ability to understand and accurately apply advanced mathematical concepts

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

10

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

WORK ENVIRONMENT

•

Typically the noise level in the work environment is moderate.

•

May experience occasional job stress in dealing with difficult situations and/or high volume.

•

High energy, high impact atmosphere.

•

There are no significant hazardous conditions.

View Competencies

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 1

1. Anticipates and meets the needs of both internal and external customers. Delivers high quality service and is committed to continuous improvement.

2. Consults with management on modifying business processes to enhance service delivery. Monitors own work to ensure quality and apply feedback to improve performance.

3. Integrates core values into the way work is done and how relationships are conducted.

4. Possesses knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

5. Tailors communications based on others’ needs, motivations and agendas.

Document Management

Knowledge of and ability to store, categorize and update an organization's documents in order to ensure the security, effectiveness and integrity of business information.

Level 3

1. Compares features and functions among multiple document management products and technologies.

2. Trains others on using advanced management features and products.

3. Evaluates key issues and considerations for static and dynamic document management.

4. Details and operates specific requirements on content management, archiving and audit trails.

5. Contributes to defining document management processes, procedures and standards.

6. Consults to others on integrating document management systems with imaging applications.

Accuracy and Attention to Detail

Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Level 3

1. Processes large quantities of detailed information with high levels of accuracy.

2. Productively balances speed and accuracy.

3. Implements a variety of cross-checking approaches and mechanisms.

4. Evaluates and makes contributions to best practices.

5. Demonstrates expertise in quality assurance tools, techniques, and standards.

6. Employs techniques for motivating personnel to meet or exceed accuracy goals.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.