Commercial Loan Clerk, Sr. jobs in Sacramento, CA

POSITION PURPOSE
Responsible for providing servicing and administrative functions related to member business loans and participation loans. Responsible for transaction and payment processing and posting to general ledger accounts. Provides support and expertise to members, branch staff, and Commercial Lending staff regarding SAFE business services.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Manages the payment and disbursement process for business loans.
• Posts general ledger transactions as needed.
• Boards new loans in the DNA Fiserv system.
• Reviews system reports as assigned and performs system maintenance as needed
• Assists with reconciliation of general ledger accounts each month.
• Performs loan servicing actions, as requested.
• Processes payoff demand requests
• Completes the closed loan process including the release of collateral
• Prepares SBA 1502 reporting and assists with other SBA loan servicing actions
• Communicates with members, third-party vendors, sales staff, and support staff regarding servicing actions, billing inquires and other business loan inquiries
• Works with members and staff to obtain updated financials on outstanding loan credits.
• Performs insurance tracking tasks and follows for outstanding file documentation
• Assists with the annual loan review process
• Performs post loan closing and file maintenance tasks
• Assists with internal and external loan audits.
• Assists with special projects, as assigned.
• Completes other duties, as assigned.

Education/Certification:
Associate degree or equivalent from a two-year college or technical school; or one to three years of related experience and/or training; or an equivalent combination of education and experience.

Required Knowledge:
Experience in general ledger reconciliations is desired. Experience with commercial loan processing or servicing is desired. Customer service experience desired. Intermediate knowledge of excel spreadsheets is desired.

Experience Required:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Commercial Lending knowledge and experience preferred.

Skills/Abilities:

• Typing speed of at least 35 WPM.
• Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint).
• Ability to work well in a deadline-driven environment.
• Ability to think in a detail-oriented manner.
• Excellent teamwork and organizational skills.
• Strong written and verbal communication skills

LANGUAGE SKILLS

• Excellent communication skills (verbal, written, listening skills, and empathy).
• Expert ability to build relationships with other leaders, business partners, and stakeholders.
• Ability to read and interpret documents such as title reports, loan applications, loan disclosures, and policy and procedure manuals.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before small groups of employees to provide training, and with borrowers to communicate loan statuses.

MATHEMATICAL SKILLS AND REASONING ABILITY

• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
• The noise level in the work environment is usually moderate.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions. All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.