• Prepare and review loan files prior to underwriting submission • Analyze borrower documentation for completeness, accuracy, and consistency • Communicate with borrowers to collect missing documents and clarify conditions • Coordinate underwriting conditions and track outstanding items • Ensure compliance with lender guidelines and regulatory requirements • Maintain accurate updates within Loan Origination Systems and CRM • Proactively identify file risks and escalate issues that may delay approval

• Oversee reinsurance operations and lead the placement of reinsurance • Prepare and present proposals for reinsurance placements • Negotiate insurance and reinsurance placements • Maintain current in-depth knowledge of the reinsurance marketplace • Develop and maintain relationships with current and prospective clients • Serve as primary contact for any carrier underwriting and claim audits • Work with all functional areas of the company • Understand and manage current policy administration procedures • Lead strategic analysis of the marketplace • Analyze the quality and quantity of risks underwritten

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Senior Commercial Loan Documentation Specialist performs reviews of commercial loans to ensure compliance with established policies and standards. Reviews small- to mid-size loans of standard complexity. Analyzes and advises lenders on modification to loan structure as needed to mitigate risk/loss. Prepares and reviews commercial loan documentation in accordance with legal enforceability requirements, Golden1's credit policy and procedures, and regulatory statutes. - Prepare loan documentation completely and accurately consistent with approval terms and conditions. - Under supervision draft ancillary agreements/documents outside of the documentation program as necessary to mitigate risk. - Under supervision analyze proposed loan and modify loan structure/requested documentation as necessary to mitigate Credit Union risk and loss. - Ensure adherence to commercial credit policy, Credit Union underwriting, and regulatory compliance. - Identify documentation risks and make recommendations as needed based on specific loan transactions. - Work with branch personnel/title company/insurance agents/appraisal/portfolio administration to address any problems discovered during the file review. - Partners with the supervisor to perform secondary review of the larger loan files and more complex loan documents. - Maintains a working knowledge of Entity/Collateral/Title documentation and concepts. - May assist with loan funding and quality control reviews after loan boarding. - Performs other duties as assigned. Qualifications - Successful completion of High School curriculum is required. Associates degree is preferred. - Minimum 8 years of experience in loan documentation required. - Maintain knowledge of commercial lending requirements, all commercial loan products, commercial loan fulfillment, credit union policies and all applicable federal and state laws and regulations. - Current working knowledge of Commercial Real Estate and Commercial and Industrial lending. - Exceptional member service and member relations skills. - Exceptional oral and written communication skills. - Ability to manage multiple tasks and demands, to work independently with minimal supervision, and to meet deadlines and effectively adjust to changing priorities. - Strong analytical, organizational skills and attention to detail. - Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations. - Demonstrated ability to work independently and interact collaboratively and cultivate partnerships across the organization. Requirements - Effective oral and written communication skills required to interact with members, staff, vendors, servicers, and various regulatory agencies. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone. - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range. A device to enhance hearing will be provided if needed. - Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. - Occasional long work hours may be required to accomplish tasks. Benefits - #LI-Remote - Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

• Lead the payments underwriting process from application through approval for U.S. and Canadian merchants, ensuring accuracy, efficiency, and consistent decisioning. • Establish, maintain, and regularly review underwriting policies and procedures in alignment with regulatory requirements and industry best practices. • Conduct and oversee risk assessments and creditworthiness evaluations of prospective merchants. • Develop and implement underwriting risk-mitigation strategies within onboarding and application systems to minimize loss exposure. • Implement and enhance advanced modeling and data-driven techniques to improve underwriting precision and decision quality. • Partner with Product, Engineering, Operations, and external vendors to design and execute onboarding and underwriting process enhancements. • Provide strategic leadership for Agreement Express (AEX) platform. • Monitor and analyze portfolio performance and risk trends, identifying emerging risks and opportunities for improvement. • Partner with Product and Engineering to design and execute risk monitoring process enhancements. • Utilize internal reporting and analytics tools to support data-driven risk decisions. • Partner with Legal and Compliance to remain current on PayFac regulations and network rules, including AML, KYC, OFAC, and card network and ACH requirements. • Prepare and present risk management reporting to the CFO and other senior stakeholders. • Complete and file all required Unusual Activity Reports (UARs) with acquiring banks. • Manage relationships with acquiring bank risk teams, AML partners, and auditors. • Oversee the design, implementation, and continuous improvement of high-risk alert monitoring systems and criteria. • Partner with Product, Engineering, and internal stakeholders to design and implement funding and settlement automation solutions. • Coordinate cross-functional communication related to funding issues between Support, Finance, Accounting, and business units. • Own the collections function for software and payments accounts, including returned merchant funding and billing. • Collaborate with Accounting to provide monthly write off data for reconciliation and close processes. • Establish and maintain collections policies, workflows, and escalation paths. • Ensure accurate merchant account changes and adjustments in accordance with policy and contractual requirements. • Partner with Accounting, Finance, and Operations to ensure alignment between collections activity, reconciliation, and financial reporting. • Manage relationships with underwriting, onboarding, risk technology vendors, and 3rd party collections agency. • Ensure vendor capabilities align with business objectives, regulatory requirements, and scalability needs. • Monitor vendor performance, deliverables, contracts, and issue resolution. • Lead, coach, and develop a team of underwriters, risk/funding specialists, and collections specialists. • Set clear performance goals and regularly evaluate progress, providing timely feedback and guidance. • Drive development and execution of communication plans that promote transparency, alignment with company values, and a strong employee experience. • Foster a collaborative and inclusive culture that encourages continuous improvement and professional growth. • Support administrative processes and initiatives that enable effective team operations. • Model and reinforce company values and expected behaviors, contributing to a positive and high-performance culture.