Agency Loan Operations Analyst - Data Integrity & Payments

Gavroche; Charlotte (NC); Hybrid; USD 55,000 - 85,000; Full time

Job summary

Delta Capita is seeking an Analyst/Senior Analyst to manage loan lifecycle transactions, ensure GSE‑compliant servicing actions, and interpret Agency loan documents to keep system data accurate. The role requires strong data analysis, documentation skills, and familiarity with servicing platforms.

The position emphasizes collaboration across teams, handling exception reporting, and supporting fee disbursements while maintaining internal controls.

Qualifications

• 1–3 years of experience in loan operations, commercial mortgage servicing, financial operations, or a related function.
• Exposure to Agency (GSE) loan products, commercial real estate lending, or structured loan servicing preferred.
• Familiarity with loan documentation and an understanding of how data flows into servicing systems.
• Ability to work with exception reporting and perform basic system maintenance with oversight.
• Strong analytical, organizational, and documentation skills.
• Proficiency with Microsoft Office or Google Workspace; comfort learning servicing platforms and reporting tools.

Responsibilities

• Manage key loan lifecycle transactions such as payoffs, defeasances, borrower auto‑debit setup, and investor‑level updates tied to loan sales, transfers, and Agency securitizations.
• Ensure all servicing actions adhere to requirements set by the GSEs and internal operational standards.
• Analyze and interpret Agency loan documents—including notes, payoff instructions, riders, and modification agreements—to confirm that system data accurately reflects contractual terms.
• Identify data gaps or inconsistencies and provide well‑supported recommendations for corrections.
• Oversee the daily upload and approval of Bloomberg index data used for floating‑rate Agency loans.
• Implement index adjustments or benchmark changes as mandated by the GSEs or triggered by shifts in market conditions.
• Lead daily oversight of exception reports, approving maintenance items and guiding team members through the resolution of complex outages or data breaks.
• Conduct high‑level system adjustments, investigate recurring exceptions, and recommend enhancements that strengthen data integrity and reduce operational risk.
• Coordinate payment of post‑closing fees to attorneys, investors, and external stakeholders, ensuring all documentation is complete, accurate, and properly executed.
• Maintain compliance with internal controls and audit requirements surrounding fee disbursements.

Skills

Loan operations

Agency (GSE) loan products

Data analysis

Microsoft Office / Google Workspace

Documentation skills

Tools

Bloomberg

Servicing platforms

Job description

Delta Capita is seeking an Analyst/Senior Analyst to manage loan lifecycle transactions, ensure GSE‑compliant servicing actions, and interpret Agency loan documents to keep system data accurate. The role requires strong data analysis, documentation skills, and familiarity with servicing platforms.

The position emphasizes collaboration across teams, handling exception reporting, and supporting fee disbursements while maintaining internal controls.