Small Business Loan Processor

Job Description

JOB INFORMATION

Title:

Small Business Loan Processor

Officer Title:

Grade:

18

FLSA Classification:

Exempt

Date Last Edited:

3/6/2026

Reports To:

Director Small Business Lending Operations

Department:

Commercial Lending Operations

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=1234

PRIMARY FUNCTION

Determine requirements and complete all due diligence associated with Small Business loan documentation and closing process. Prepare loan documents. Communicate proactively with Commercial Relationship Managers, Branch Managers, Commercial Credit Analysts, Small Business Underwriters, and third-party vendors to ensure the CU meets the closing date and time expectations of the borrower. Coordinate Small Business and SBA loan closings and maintain documentation software. Upload loan information into system and prepare loans to be funded. Complete commercial loan quality control and data for various reports including HMDA. Provide service to internal and external member requests.

•

Review approved small business loan files and determine required documentation, due diligence, and closing conditions.

•

Collect, verify, and track borrower, collateral, and guarantor documents (financials, insurance, entity docs, tax returns, etc.).

•

Coordinate third party reports such as title, UCC searches, appraisals, environmental reports, and flood certifications.

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Prepare accurate loan packages, commitment letters, disclosures, and closing documents in compliance with lending policies and regulations.

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Process loan funding, disburse proceeds, and ensure loans are booked correctly in the loan origination system.

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Support SBA Express and SBA 7(a) loans by submitting documentation, coordinating with service providers, and preparing files for closing.

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Perform pre  and post closing quality control and maintain complete, compliant loan files.

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Monitor processing queues, follow up on outstanding items, and ensure timely workflow to support underwriters and loan officers.

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Reconcile assigned general ledger accounts and process vendor invoices related to loan documentation.

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Prepare pipeline and departmental reports for management and lending teams.

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Assist with system testing, new product rollouts, and process improvements.

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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.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate.

X

Minimum 1 Year

Commercial Loan Processing

X

•

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

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Ability to work well collectively and autonomously.

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

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Demonstrate ability to motivate others to act and reach goals.

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Demonstrate ability to quickly learn, retain and apply new job functions and processes.

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Intermediate proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

•

Advanced verbal and written skills.

•

Experience using a consumer loan management system such as Meridian Link’s Loans PQ preferred

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

50

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.

•

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.

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 2

1. Processes limited amounts of detailed information with good accuracy.

2. Utilizes specific approaches and tools for checking and cross-checking outputs.

3. Develops and uses checklists to insure that information goes out error-free.

4. Accurately gauges the impact and cost of errors, omissions, and oversights.

5. Learns from mistakes and applies lessons learned.

OPERATIONS - BACK OFFICE

Knowledge of and ability to implement the practices, processes, technologies, and applications associated with banking transaction processing and records management.

Level 2

1. Works in one or more 'back office' operations departments.

2. Analyzes overall daily, weekly, monthly, and annual production requirements.

3. Implement operation workflow in accordance with specific business rules.

4. Assesses the performance of tools and equipment used in a specific operations area.

5. Explains major operations functions and their inter-relationships.

Accountability

Focuses on those activities that have the greatest impact on meeting work commitments.

Level 3

1. Creates a team environment of accountability and commitment for reaching project goals.

2. Applies available tools and resources to work efficiently.

3. Develops and applies project selection and resource allocation criteria with the team.

4. Helps others to identify and work around problems that could impede progress.

5. Reinforces positive contributions and recommends adjustments for improving outcomes.

6. Documents knowledge that can be transferred to other groups.

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 Federal 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 Federal 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.