Commercial Lending Operations Manager (CA, Modesto)

Education, Experience & Skills

• 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, with a strong preference for candidates who have handled both conventional and SBA-guaranteed loan programs.
• Prior supervisory or team leadership experience is strongly preferred.
• 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.

Core Competencies