Commercial Lending Operations Manager
$85,000–$105,000 year
On-siteModesto, California, United States
Job Summary
Oversee the full commercial loan processing cycle from post-approval through closing, validating documentation against approved credit memos and ensuring consistency with terms, covenants, and collateral requirements. Directly supervise a team of Commercial Loan Processors, assigning workloads, setting priorities, and conducting performance reviews to maintain quality control standards for all loan files. Coordinate with originators, attorneys, and third-party vendors to resolve deficiencies, manage UCC filings, title reviews, and appraisal orders, while identifying bottlenecks to optimize throughput. Ensure compliance with federal and state banking regulations, SBA SOPs for 7(a) and 504 programs, and internal credit policies. Maintain audit-ready files and serve as an escalation point for complex processing issues or urgent closing timelines.
Required Qualifications
- Bachelor's degree in Finance, Business Administration, Accounting, or a related field, or equivalent professional experience
- Minimum 5-7 years of commercial loan processing and/or underwriting experience
- Prior supervisory or team leadership experience
- Proven and successful track record of achieving results, goals, and key performance indicators (KPIs)
- In-depth understanding of commercial loan underwriting standards, credit analysis, and loan structuring for both conventional and government-guaranteed programs
- Working knowledge of SBA Standard Operating Procedures (SOP) governing 7(a) and 504 loan programs, including eligibility, documentation, and guarantee requirements
- Ability to read, interpret, and critically review legal loan documents (notes, mortgages, security agreements, guarantees, SBA authorizations) for consistency with approved credit terms
- Solid understanding of UCC filings, collateral perfection, title insurance, real property lien instruments, and entity documentation requirements
- Proficiency in financial statement analysis, cash flow analysis, and credit package review
- Knowledge of applicable federal and state banking regulations and lending compliance requirements
- Register with the National Mortgage Licensing System (NMLS)
- Technical aptitude to understand complex programs and applications
- Strong written, verbal, and interpersonal skills
- Detail-oriented, organized, accurate and ability to adapt to change. Excellent decision making and time management skills
- Well-developed analytical and problem-solving skills. Ability to trouble-shoot problems and research capabilities of current or proposed products
- Exert up to 20 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects
- Close visual acuity to perform an activity such as: preparing and analyzing data and figures; typing; viewing a computer screen and reading
- Climb/descend stairs in an emergency situation
- Operate routine office equipment including personal computers, copy machines, mobile and landline phones, calculator and others as needed
- Maintain working on a computer for six to eight hours daily, on average
- Work extended hours if required or requested by management
- Regular, reliable and timely attendance
- Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise
- Perform job functions independently, or with limited supervision, and work effectively either on own or as part of a team
- Read and carry out various written instructions and follow oral instructions
- Speak clearly and deliver information in a logical and understandable sequence
- Effectively handle multiple, simultaneous, and changing priorities
- Exercise highest level of discretion on both internal and external confidential matters
Desired Qualifications
- strong preference for candidates who have handled both conventional and SBA-guaranteed loan programs
- Prior supervisory or team leadership experience is strongly preferred
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