Our Values & Service Standards

Valley Strong is a values-driven organization. Our Core Values guide how we work, collaborate, and serve, and are the foundation of our mission. We help people and communities prosper.

Our Core Values

• Everyone Counts - We promote a diverse and fair workplace to better serve our Members, Team Members, and Communities, fostering an environment of transparency, trust and respect.

• Innovate Boldly - We dream big, challenge the status quo, move with agility, and embrace data-driven decisions. We listen and continuously make the impossible possible.

• Embrace the Fun! - We take joy in our work by welcoming kindness, integrity, and authenticity.

• - Own It - Valley Strong is ours to grow. We hold ourselves accountable to doing our best work every day and are empowered to do what's right.

In addition to our Core Values, Team Members are expected to demonstrate our Signature 8 Experience.

Signature Hospitality

• The Showing Up Mindset - Being Fully present and intentional at work.

• Steps of Service - use my name, meet my needs, figure out what comes next, make the goodbye count.

• Acts of Hospitality - These are the actions that we do in every interaction, every time, with every Member.

• Building Rapport - Lead with presence, not a script, ask thoughtful, low-risk questions & share a compliment. Personalize the interaction as it unfolds.

Signature Experience

• Know Me - Every Member has a story. Every Member is unique.

• Engage Me - Always think "what else?" and always say "Thank you."

• WOW Me - Give a little extra. Seize the moment.

• Remember Me - The small details matter. make me feel valued.

Position Summary

Department

Member Business Services

Oversee the Loan Processor operations in the Business Lending Department including production of business loan using LoansPQ, documentation review prior to boarding, document imaging and all aspects of loan servicing to ensure all loans are documented to fully protect the Credit Union’s interest in addition to ensuring compliance with state and federal laws, regulations and the Credit Union’s lending policies and procedures.

Essential Duties

Manage and coordinate the loan process from application through funding for the Member Business Services department. Interact with title companies, insurance agencies and legal counsel.
- Act as the primary point of contact between internal business partners and Business Members. Monitor business loan maintenance tasks, training of Business Loan Administrator personnel and compiling monthly and quarterly reports.
- Maintain current knowledge of all federal and state laws and regulations, along with the Credit Union’s policies and procedures.
- Utilizing various software and internet applications including Credit Quest, input credit applicant information to obtain business and consumer credit reports, OFAC searches, lien searches, entity status.
- Obtains applicant’s documentation for review and reporting, including:
  - Applicant’s legal entity formation documents (corporation, limited liability company, etc.)
  - Financial statements (credit union statements, schedule of real estate, verification of deposits)
  - Federal tax returns and Schedule K-1’s
  - Insurance certificates for property and liability insurance
- Order other required information to assimilate package for appropriate credit decisions by a lending officer to include preliminary title reports; property and equipment appraisals; account receivable and inventory audits; and SBA submission forms.
- Ensure all processing timelines are met and maintain active communication with branch personnel regarding application status. Work with branch personnel and applicants/Members to gather required information.
- Responsible for obtaining and reviewing all entity documentation, determining required signatories per the defined entity documents, and ensuring documents are prepared and appropriately executed to be a legally binding document.
- Utilizing LaserPro, prepare loan documents with appropriate structure, covenants, conditions, and language with the utmost accuracy. Ensure timely delivery of documents to branches and/or business lenders. On occasion work with outside legal counsel on loan documentation
- Work with outside legal counsel on loan documentation for complex or large loans not processed through LaserPro.
- Ensure that all loan structures and documents follow and adhere to regulatory requirements (Reg B, Reg O, etc.), and provide lender security.
- Coordinate loan closing with branch personnel, lenders, and Members. Ensure all loan closings and boarding are completed timely and adhere to all the closing conditions.
- Prepare loan boarding package including closing checklist, boarding worksheet, wire transfer, and other forms necessary for closing and boarding. Work with the loan servicing department to ensure loan is boarded and all required ticklers are set up.
- Create and maintain credit files and post-closing financial monitoring files. Ensure all post-closing searches and required documentation is complete.
- Manage and maintain the monthly tickler report. Work with Members and lending staff to ensure the timely collection of monthly financials, borrowing bases and other tickler items
- Act as a liaison between lending officers and branch personnel. Maintain and cultivate positive and professional relationships with the branches. Assist in branch training meetings as required.
- Manage maturing loan report, review loan files to determine financial information needed for a renewal, prepare renewal letters, and follow up with Members and/or branch personnel to ensure timely collection of renewal package. 16. Prepare monthly pipeline, tracking, production, application, and adverse action reports. Responsible for the preparation, accuracy, and meeting regulatory timing requirements for adverse action notices.
- Assist lending officers with Member contact in person and via telephone. Participate in client calls and/or loan signings as necessary.
- Assist department manager with development and maintenance of the desktop procedures manual.
- Attend internal and external seminars relating to business lending and regulatory requirements.
- Assist with internal and external credit examinations and audits as requested.
- Provide notary services to internal and external Members.

Performs other duties as assigned.

Supervisory Responsibilities

Qualifications
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.

Education

Min/Preferred	Education Level	Description
Minimum	High School or GED

Experience

Minimum Years of Experience

Comments

Minimum seven years’ experience in loan servicing or loan documentation with a financial services organization required.

Minimum five years’ experience with financial software systems required

Management experience preferred but not required

Five to ten years of loan documentation experience, specifically commercial documentation.

Must have extensive knowledge of the job and the practical application to problems and situations ordinarily encountered.

Knowledge of general credit union or bank operations sufficient to understand the business loan function and knowledge of Federal and State loan documentation regulations required.

Language Skills

Ability to read and comprehend instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to Members and other Team Members at the organization.

Mathematical Skills

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute dividends and interest.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written or oral form.

Physical Demands

The physical demands described here are representative of those that must be met by a Team Member to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The Team Member occasionally must lift and/or move up to 10 pounds. Ability to stand for long periods of time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Skills and Abilities

Must be able to process transactions in an efficient manner. Must be able to communicate policies and procedures to Members in an easily understood and professional manner.

Must comply with all Bank Secrecy Act (BSA) and other Anti-Money Laundering (AML) laws and regulations, as they pertain to federal guidelines and internal policies and procedures.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

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