Commercial Loan Origination Administrator

Job Description

JOB INFORMATION

Title:

Commercial Loan Origination Administrator

Officer Title:

Grade:

17

FLSA Classification:

Non-Exempt

Date Last Edited:

12/22/2022

Reports To:

Department:

Lending Origination

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=782

PRIMARY FUNCTION

Support the Commercial Loan Officers and AVP, Loan Origination with all administrative functions.  Includes collection of all loan documentation required to process new commercial loan applications as well as maintain the financial statement database and prepare reports.  Contact members and complete property site visits.  Provide service support to internal and external member requests.

•

Assist Commercial Loan Officers and AVP, Loan Originations with collection of documents required for new commercial loan requests, to include set up new files, correctly label all documents, run credit and Lexis Nexis reports, process 4506T’s, send out secure links to business members and submit packages to underwriting.  Support Commercial Loan Officer’s and AVP, Loan Originations with all administrative functions.

•

Maintain the financial statement database.  Ensure complete and accurate commercial credit files and records of all accounts, as well as assist with gathering and providing information during exams and audits.   Prepare various letters to members and following up with members for receipt of required information for items such as ballooning mortgages, line of credit renewals, annual reviews and Borrowing Base Certificates.

•

Contact business members as needed for items such as delinquent loan payments, real estate taxes and lapsed insurance.

•

Complete property site visits for annual reviews.

•

Prepare and regularly update required department and management reports, to include production reports. Prepare minutes for department meetings.  Prepare memos and supporting documentation for these meetings, as needed.

•

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

•

Provide administrative support for department supplies and software and follow up with vendors on all requested services. Provide backup coverage for Commercial Lending Administrator, as needed.

•

Achieve goals assigned to the Commercial Loan Origination Administrator as part of the assigned departments’ annual operating plan.  Suggest and assist with implementing process improvements to enhance member experience 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 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

Valid Driver's License

X

Minimum 2 Years

Prior experience in a business environment

X

Commercial loan documentation

X

Knowledge of database, excel and report preparation.  Experience with On Base a plus

X

•

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

•

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

•

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

•

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 Business Services 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.

•

Ability to understand and accurately apply advanced mathematical concepts

•

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

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

Occasionally

Travel outside of work location to provide applicable technical/physical support

Frequently

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

Occasionally

Accommodate a flexible schedule to meet business needs including evenings and weekends.

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

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.

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.

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.

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 2

1. Checks documents thoroughly according to standard processes and procedures.

2. Follows security and version management guidelines and practices.

3. Creates, stores, retrieves and archives electronic documents.

4. Uses software tools and technologies for document management.

5. Tracks document management's existing issues and best practices.

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.