Loan Operations Analyst

POSITION SUMMARY: The Loan Operations Analyst is responsible for ensuring the accuracy, integrity, and compliance of the Bank's loan portfolio. This position performs detailed post-closing reviews of new, renewed, and modified loans to confirm completeness, accuracy, and adherence to credit approval, documentation standards, regulatory requirements, and internal policy. The role serves as a key control function supporting sound lending operations and risk management. Responsibilities are performed under limited supervision with contracted deadlines.

RESPONSIBILITIES/ESSENTIAL FUNCTIONS:

• Review all new, renewed, and modified loans to ensure accuracy, completeness, and consistency of loan terms, interest rates, payment schedules, maturities, and alignment with credit approval and collateral documentation.
• Ensure loan data and documentation within loan servicing systems are accurate, complete, and in compliance with Bank policy, regulatory, and accounting requirements.
• Perform quality assurance reviews of loan portfolio reports to identify, research, and resolve discrepancies or deficiencies.
• Review and validate due diligence documentation for accuracy, completeness, and compliance, including, entity documents, title work, UCC searches and filings, appraisals, flood determinations, and related items.
• Verify that all required documentation and signatures are properly executed and maintained for closed loans.
• Identify, document, track, and follow up on policy and compliance exceptions to ensure timely resolution.
• Prepare and maintain documentation and policy exception reporting for the Board of Directors.
• Review complex commercial loan structures, including SBA loans, attorney-prepared documents, loan participations, and syndications.
• Maintain a strong working knowledge of the Bank's credit policy, loan documentation standards, lending operations procedures, and applicable legal and regulatory compliance requirements.
• Assists other roles in Operations as needed.
• Follows all policies and procedures for HIPAA, HiTECH, state and federal laws and regulations to ensure compliance.

REQUIRED QUALIFICATIONS:

Knowledge/Skill/Ability

• Strong knowledge of commercial lending practices and documentation.
• Experience with complex commercial credits, including SBA, participations, or syndications preferred.
• Strong analytical skills and attention to detail.
• Working knowledge of regulatory and compliance requirements related to lending.
• Proficient in loan servicing systems.
• Strong organizational skills with the ability to manage multiple priorities.
• Excellent written and verbal communication skills.

Equivalent Education/Experience

• Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred (or equivalent banking experience).
• 2+ years of experience in loan operations, loan documentation, credit administration, or related banking function.

PHYSICAL REQUIREMENTS:

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

While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, and talk, see or hear. The employee is frequently required to stoop, stand, and walk. The employee must regularly lift and/or move up to 5 pounds and frequently lift and/or move up to 5 pounds.


The worker is not substantially exposed to adverse environmental conditions. (typical office/administrative work environment).

SPECIAL JOB DIMENSIONS:

Work involves periodic overtime and adherence to deadlines and project completion deadlines.

Disclaimer: The above statements are intended to describe the general nature of work and level of being performed by individuals assigned to this position. They are not intended to be an exhaustive list of all duties, responsibilities and skills required for this position. The tasks and procedures involved in the performance of the job responsibilities may vary from day-to-day. Major changes in the areas of responsibility will require revision of this job description.