AVP Loan Operations

Security State Bank & Trust; Fredericksburg (TX); On-site; USD 90,000 - 125,000; Full time

Job summary

Security State Bank & Trust in Texas seeks an AVP Loan Operations to oversee loan intake, documentation prep, and review, reporting to the VP Loan Operations. You will ensure accuracy, policy compliance, and SLA adherence across commercial, consumer, and real estate loans.

You will coordinate workflows in nCino, supervise staff, and partner with Credit, Compliance, Closing, Servicing, and Lending teams to deliver a consistent customer experience.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or related field preferred.
• 5–7 years of banking or loan operations experience.
• 2–3 years of supervisory or management experience.
• Strong knowledge of commercial, consumer, real estate loan documentation.
• Experience with LaserPro, nCino, and workflow automation.
• Understanding of TRID and regulatory controls.

Responsibilities

• Lead daily operations of loan intake and documentation.
• Coordinate workflows and staffing to meet SLAs.
• Coach staff and promote a compliant culture.
• Review and validate loan documents before closing.
• Monitor pipeline, turnaround times, and controls.
• Collaborate with Compliance, Credit, Servicing teams.

Skills

Organizational skills

Analytical skills

Communication skills

Interpersonal skills

Supervisory experience

Discretion

Education

Bachelor's degree in Business, Finance, Accounting, or related field

Tools

LaserPro

nCino

Loan origination systems

Workflow automation

Job description

Department

Loan Operations

Reports To

President

FLSA Status

Exempt

Employment

Full-time; Monday through Friday, 8:00 a.m. to 5:00 p.m.

Location

Physical reporting branch or operations location

Travel

Occasional travel between SSB&T locations or to approved business locations as business needs require.

Company Vision

Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.

Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.

About The Role

The AVP Loan Operations supports the leadership and daily oversight of loan intake, documentation preparation, and documentation review functions. Reporting to the VP Loan Operations, this role helps ensure loan documentation is prepared, validated, and approved accurately, efficiently, and in accordance with Bank policies, regulatory requirements, operational controls, and established service-level expectations.

The AVP Loan Operations coordinates team workflows, provides hands-on guidance, monitors quality and productivity, resolves operational issues, and partners with lenders, Credit Administration, Compliance, closing, servicing, and other operational teams to support a consistent customer and lending experience. The role also works closely with the AVP Loan Servicing & Quality Control to promote alignment across the loan operations lifecycle.

Essential Responsibilities

Champion SSB&T's Core Values

• Demonstrate Care, Do What Is Right, and Go Above and Beyond in leadership, operational decisions, internal service, risk management, and teamwork.

Operational Leadership & Team Support

• Assist the VP Loan Operations with daily leadership of the Loan Intake and Documentation Preparation teams, reinforcing accountability, accuracy, responsiveness, and service expectations.
• Coordinate daily workflow distribution, staffing coverage, operational priorities, and escalated assignments to support timely completion of work.
• Coach and develop team members through ongoing feedback, cross-training, procedure guidance, and performance support.
• Help maintain a collaborative, customer-focused, and compliance-oriented team culture.
• Support continuity planning, employee development, and consistent application of loan documentation procedures, systems, and controls.

Loan Intake & Documentation Operations

• Oversee assigned loan intake, documentation preparation, and documentation review activities for commercial, consumer, and real estate loan transactions.
• Review and support the accurate preparation and validation of LaserPro and attorney-prepared loan documents before closing approval.
• Validate pricing grids, product and collateral code matrices, required loan documentation, borrower structure, fees, and compliance-related requirements.
• Confirm required documentation is complete, accurate, and maintained in designated systems before loan closing.
• Monitor in-house and real estate loan turnaround requirements and coordinate priorities to meet established service-level expectations.
• Support documentation-readiness approvals and closing-authorization workflows within assigned authority.

Workflow Management & Operational Oversight

• Coordinate intake and preparation workflows initiated through nCino and related loan-origination systems.
• Monitor workflow routing, dashboards, queues, and automation processes involving adverse actions, Fresh Start, in-house loans, real estate loans, TRID requirements, and related operational activities.
• Ensure assigned routing reviews and operational tasks are completed accurately and timely, including compliance questionnaires, fee reviews, borrower validation, and documentation exceptions.
• Monitor pipeline volumes, productivity, aging, turnaround times, and workflow performance; elevate capacity concerns, recurring delays, or control issues to the VP Loan Operations.
• Maintain strong operational controls and reinforce adherence to approved policies, procedures, authorization standards, and regulatory requirements.

Quality Control, Compliance & Risk Management

• Review documentation quality and operational accuracy and support compliance with banking regulations, internal controls, audit requirements, and Bank standards.
• Identify documentation deficiencies, workflow bottlenecks, operational risks, and process gaps; recommend and help implement corrective actions.
• Support internal audits, loan reviews, compliance monitoring, and regulatory examinations by providing requested records, explanations, and follow-up.
• Maintain exception tracking, operational reporting, documentation-quality measures, and other assigned control records.
• Partner with the AVP Loan Servicing & Quality Control to support documentation accuracy, servicing readiness, exception resolution, and consistent quality standards.
• Collaborate with Compliance, Credit Administration, Risk Management, and Servicing to resolve issues and promote operational consistency.

Process Improvement & Strategic Support

• Assist with operational improvement initiatives that enhance efficiency, quality, scalability, and the customer experience.
• Partner with technology and operational teams on workflow automation, system enhancements, testing, and process optimization.
• Develop, maintain, and communicate procedures, job aids, operational standards, and documentation processes.
• Support lending and operational initiatives aligned with organizational priorities and growth objectives.
• Provide operational reporting, observations, and recommendations to the VP Loan Operations to support informed decision-making.

Internal Partnership & Customer Support

• Partner with lenders, branch teams, Credit Administration, loan servicing, Compliance, closing, and operational leaders to support loan production and operational efficiency.
• Research and resolve escalated documentation, workflow, or operational issues in a timely and professional manner.
• Serve as a resource for loan intake, documentation preparation, workflow processes, and operational controls.
• Communicate requirements, status updates, exceptions, and needed corrections clearly to internal partners.

Performance & Accountability

• Maintain accountability for the accuracy, completeness, confidentiality, and timeliness of assigned loan operations activities.
• Meet established service levels, closing deadlines, productivity expectations, quality-control requirements, and reporting responsibilities.
• Ensure work is completed in accordance with approved policies, procedures, regulatory requirements, internal controls, and authorization limits.
• Demonstrate sound judgment, professionalism, integrity, adaptability, organization, and a service-focused leadership approach.
• Escalate material documentation, compliance, capacity, customer-service, or operational risks promptly to the VP Loan Operations.

Nothing in this job description restricts SSB&T's ability to modify, reassign, or supplement the employee's duties and responsibilities at any time, with or without notice.

Candidate Requirements

• Bachelor's degree in Business, Finance, Accounting, or a related field preferred; equivalent relevant experience may be considered.
• Five to seven years of banking or loan operations experience, including significant experience with loan documentation preparation, intake workflows, closing support, or related operational functions.
• Two to three years of supervisory, team-lead, or management experience preferred.
• Strong knowledge of commercial, consumer, and real estate loan documentation and operational processes.
• Experience with LaserPro, nCino, loan-origination systems, and workflow automation platforms preferred.
• Working knowledge of TRID, loan documentation standards, compliance requirements, and operational controls.
• Ability to coordinate teams and workflows in a fast-paced environment while managing competing priorities and deadlines.
• Strong organizational, analytical, problem-solving, communication, and interpersonal skills.
• Strong attention to detail and commitment to operational accuracy, quality, and responsive internal service.
• Ability to handle confidential customer, credit, and Bank information with discretion.
• Ability to pass a criminal background check and any required pre-employment screening.

Preferred Qualifications

• Experience in a community bank or other regulated financial institution.
• Knowledge of loan servicing, closing, quality control, post-closing, or collateral-document functions.
• Experience supporting audits, examinations, compliance reviews, and corrective-action follow-up.
• Experience with workflow optimization, operational reporting, productivity management, and service-level monitoring.
• Experience developing procedures, training employees, testing systems, or supporting operational change initiatives.

Employment Commitments and Physical Requirements

• Regular use of a computer, telephone, scanner, and standard office equipment.
• Focus-intensive work requiring extended periods of sitting, document review, and digital navigation.
• Ability to communicate in person, by telephone, and through electronic channels.
• Occasional standing, walking, lifting of routine office materials, and movement between work locations.
• Ability to travel between SSB&T locations or approved business locations as business needs require.
• Community and volunteer involvement may be expected.
• Reasonable accommodations may be made to enable qualified individuals to perform the essential functions.

Compensation

SSB&T is committed to competitive compensation. Pay is determined based on relevant experience, the role's market value, internal alignment, and geographic location.

Acknowledgment

This job description describes the principal functions of the position and is not intended to be an exhaustive list of all duties. SSB&T may modify, reassign, or supplement duties and responsibilities based on business needs. Employment remains subject to applicable SSB&T policies and procedures.

Security State Bank & Trust is an Equal Opportunity Employer.