Commercial Loan Specialist

Gradient Mortgage Capital•Fort Lauderdale, FL

15d•Hybrid

About The Position

The Commercial Loan Specialist (CLS) is a full-time position responsible for the timely and accurate processing of small-balance commercial and investor residential loan files. For all loans within their assigned pipeline, the CLS serves as the single point of contact (SPOC) for both internal and external stakeholders. This role is accountable for loan-level data integrity within the LOS/CRM, review and management of underwriting conditions, proactive pipeline management (including leading weekly pipeline meetings), and acting as the primary conduit between all interested parties to resolve issues and drive loans to final disposition. The CLS must effectively prioritize competing demands while maintaining accuracy, responsiveness, transparency, and clear communication.

Requirements

Strong understanding of commercial and/or investor residential loan processing workflows.
Demonstrated ability to manage a high-volume pipeline with multiple competing priorities.
Exceptional attention to detail with a strong focus on data accuracy and documentation integrity.
Proficient in the use of Loan Origination Systems (LOS), CRM platforms, and pipeline reporting tools.
Excellent written and verbal communication skills with the ability to communicate clearly and professionally with internal teams, borrowers, brokers, and third-party vendors.
Proven problem-solving skills with the ability to independently identify issues, evaluate options, and drive resolutions.
Strong organizational and time management skills, with the ability to shift priorities in a fast-paced, deadline-driven environment.
Ability to work collaboratively across departments while also operating independently with minimal supervision.
Customer-service oriented mindset with a commitment to responsiveness, transparency, and follow-through.
Ability to lead or facilitate pipeline discussions and status meetings.
High level of professionalism, discretion, and accountability when handling sensitive financial information.
High school diploma or equivalent required.
Minimum of 2–4 years of experience in commercial loan processing, commercial lending operations, or a related mortgage/lending role preferred.
Prior experience working directly with underwriters, closers, and third-party vendors required.

Nice To Haves

Associate’s or Bachelor’s degree in Business, Finance, Accounting, Real Estate, or a related field preferred.
Experience processing small-balance commercial, investor, or non-owner-occupied residential loans strongly preferred.
Familiarity with regulatory and compliance requirements applicable to commercial and investor lending preferred.

Responsibilities

Manage an assigned loan pipeline in accordance with established key performance indicators (KPIs).
Process multiple loan files simultaneously at various stages of the loan lifecycle.
Maintain complete and accurate loan-level data within the LOS/CRM, including real-time updates to loan status, milestones, and events.
Ensure loan applications and processing conditions are complete, accurate, and compliant prior to submission to underwriting.
Request, track, and review all required third-party reports (e.g., appraisals, title, credit, flood, environmental, etc.).
Serve as the primary point of contact for borrowers, brokers, vendors, and internal partners, providing timely, professional, and solution-oriented customer service.
Collaborate closely with Underwriters, Closers, and Supervisors to resolve loan-level issues and move files to approval, closing, or denial.
Independently request, organize, and analyze loan documentation and submit complete files to underwriting in accordance with program and product requirements.
Proactively manage and reprioritize pipeline activities to meet deadlines and service level expectations.
Maintain current knowledge of applicable loan programs, guidelines, and internal policies.
Utilize LOS/CRM tools and pipeline reports to manage daily workflow, monitor assignments, and identify potential risks or delays.
Work toward individual and team quarterly goals and actively participate in quarterly performance review meetings.
Participate in weekly one-on-one meetings with direct supervisor.
Perform other duties and responsibilities as assigned by management.