Senior Loan Operations Analyst

Responsibilities

• Independently review incoming loan files for completeness, accuracy, and regulatory compliance, exercising sound judgment in identifying exceptions, discrepancies, or potential risks.
• Maintain high standards of data integrity within loan origination and servicing platforms, ensuring accuracy across complex loan records and lifecycle stages.
• Proactively obtain missing documentation, resolve or appropriately escalate exceptions, and support internal and external audit preparation activities.
• Serve as a knowledgeable point of contact for internal and external inquiries, responding with professionalism, urgency, and a strong understanding of loan operations processes.
• Support insurance tracking, file organization, and daily reporting needs with minimal supervision, ensuring timely and accurate completion.
• Manage and oversee third-party UCC tracking and tax tracking services, including relationship coordination, issue resolution, and follow-up to ensure lien perfection and compliance standards are met.
• Independently review and process complex construction loan documentation, including budgets, draw requests, inspection reports, and related supporting materials.
• Track construction project progress, identify discrepancies, exceptions, or potential risks, and communicate findings clearly and promptly to management.
• Maintain and oversee construction tracking tools or systems, ensuring accurate setup, timely updates, and data integrity throughout the project lifecycle.
• Carefully coordinate directly with builders, borrowers, inspectors, and internal teams, serving as an experienced operational liaison to support efficient and compliant project flow.
• Exercise judgment in resolving documentation or process issues and escalating concerns when appropriate to mitigate risk.
• Independently review marine loan packages submitted by correspondents or dealers for completeness, accuracy, and adherence to policy and regulatory requirements.
• Validate vessel details, including HIN, specifications, insurance coverage, and collateral documentation, ensuring lien perfection and collateral integrity standards are met.
• Support and coordinate funding requests, boardings, lien perfection activities, and Coast Guard or state titling processes with attention to detail and regulatory compliance.
• Communicate directly with marine dealers and correspondents regarding documentation requirements, exceptions, and loan status, representing Loan Operations with professionalism, clarity, and authority.
• Support dealer chargeback reporting and follow-up activities, identifying trends or issues and escalating concerns as needed.
• Cook closing and funding support by preparing documentation, verifying closing conditions, and scheduling with internal and external parties.
• Ensure all required loan documents are complete, accurate, properly executed, and compliant prior to closing and funding.
• Independently process funding requests, ACH transfers, payoffs, and disbursements with a high level of accuracy, accountability, and timeliness.
• Support and oversee lien perfection activities, including UCC filings, titles, vessel documentation, and related collateral requirements across loan types.
• Conduct final file reviews prior to loan boarding, identifying and resolving post-closing exceptions to ensure downstream operational accuracy and compliance.

Qualifications

Your background should include:

• A bachelor's degree in finance, accounting, business administration, or a related field.
• At least 5 years of progressively responsible experience in loan operations, preferably in consumer, commercial, mortgage, correspondent, and marine lending environments.
• Strong knowledge of banking regulations, policies, and procedures, particularly those relevant to consumer and commercial lending.
• Proficiency in Microsoft Office Suite, including Excel and Word, and experience with loan origination and servicing software.
• Excellent problem-solving skills, with the ability to identify and resolve complex issues independently.
• Strong organizational and time management skills, with the ability to manage multiple tasks simultaneously and meet deadlines.
• Effective written and verbal communication skills, with the ability to interact professionally with internal and external stakeholders.
• Ability to work effectively in a team environment and take initiative to improve processes and outcomes.