Commercial Loan Specialist I, II or Senior (DOE)

Department: Business Services

Reports To: Commercial Credit Ops and Systems Manager

Classification: Non-Exempt

About Rogue Credit Union:Credit Union is a member-owned, not-for-profit financial cooperative headquartered in the Rogue Valley located in beautiful southern Oregon. Providing services to our members in select Oregon, Idaho and California counties. We strive to make an impact in the communities we serve by living, giving, and supporting local. Our mission is to provide exceptional member experiences that build mutually beneficial relationships to create the most loyal members in the nation. Here at Rogue, we believe in having a culture of happy team members who feel supported, have the chance to grow their careers, and LOVE where they work!

Role:Commercial Loan Specialist I supports the commercial lending process by managing loan transactions from approval through closing, ensuring accuracy, compliance, and excellent member service. This role assists Business Relationship Managers with loan documentation, closing coordination, third-party reports, and funding activities while developing proficiency in commercial lending and credit union procedures under general supervision.

Essential Functions & Responsibilities:

25% Processes routine commercial loan requests by preparing loan documentation, coordinating closing activities, obtaining required member and third-party documentation, and supporting loan funding. Maintains accurate loan files, orders necessary reports and services, and collaborates with members, title companies, escrow officers, and Business Relationship Managers to facilitate a smooth and compliant lending process.

25% Prepares and reviews commercial loan documentation to ensure accuracy, compliance, and alignment with approved loan terms. Verifies collateral perfection and required security interests, reviews executed documents prior to funding, and completes post-closing activities, including tickler maintenance and rate updates, to support a compliant and efficient loan process.

15% Provides professional service to members and third-party vendors throughout the loan process. Responds promptly to internal and external inquiries. Maintains regular communication regarding loan status and outstanding items. Develops positive working relationships with Business Relationship Managers, Credit Analysts, Credit Admin, and third-party vendors.

10% Performs quality control reviews of commercial loan data and documentation to ensure accuracy and compliance with policies and procedures. Manages ongoing loan servicing requirements, including tickler tracking, financial reporting requests, and exception management, while partnering with Relationship Managers to obtain outstanding documentation and resolve follow-up items.

10% Supports commercial loan servicing and business account operations by completing assigned requests and Jira tickets, opening new business memberships and accounts, processing business wire transfers, and resolving loan documentation and servicing issues to ensure accurate and efficient member support.

10% Stays current on applicable regulations, business loan policies, operational controls, business products, and services, and ensures loan files are in compliance according to policy requirements. Adheres to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, CIP, HMDA, and all applicable regulatory requirements.

5% Proactively performs other duties as needed or assigned.

Knowledge & Skills:

Experience:to three years of similar or related experience including commercial and real estate document preparation. Previous financial institution processing experience desired. Knowledge and familiarity with servicing commercial loans, including risk rating, monitoring, and reporting, financial statement, and collateral tracking.

Education:high school education or GED.

Interpersonal Skills:, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Should possess the ability to build rapport and credibility to effectively communicate with members and serve as lead with the credit union employees.

Other Skills:communication skills required. Strong computer/keyboarding skills. Functional with Word and Excel/spreadsheets. LaserPro software preferred. Strong organizational and time management skills. Eye for detail, accuracy, and quality.

Physical Requirements:lifting required (up to 30 pounds), continuous sitting, occasional standing and occasional walking. Finger dexterity while using computer. Occasional talking and hearing in person and on the telephone. Continuous clarity of vision at 20 inches or less and continuous clarity of vision at 20 feet or more.

Work Environment:workday with occasional overtime. Exposed to potentially hazardous conditions, i.e. robbery. Travel to other regions of the credit union may be required.

Disclaimer:Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer.

Credit Union is an Equal Opportunity Employer and makes employment decisions without regard to race, color, national origin, religion, sex, age, disability, veteran status, or any other protected class. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method, please call (541) 622-7295.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.