Loan Operations - Analyst/Senior Analyst

Gavroche; Charlotte (NC); Híbrido; USD 55.000 - 85.000; Jornada completa

Descripción de la vacante

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.

Formación

• 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.

Responsabilidades

• 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.

Conocimientos

Loan operations

Agency (GSE) loan products

Data analysis

Microsoft Office / Google Workspace

Documentation skills

Herramientas

Bloomberg

Servicing platforms

Descripción del empleo

Location: Charlotte

Key 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.

Analyst/Senior Analyst

• 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.

Expectations Regarding Hybrid Working

As we are a Service Provider and Consulting firm servicing clients, our policy on physically working from the office (which may be the client’s offices or our own offices depending on the client) aligns to what our client’s policies and expectations are and these vary. Most of our clients now require a minimum of 3 days per week in the office, 2 days from home, and accordingly, this is also the minimum expectation that Delta Capita requires. However, some of our clients have now moved up to 4 or even 5 days in the office and we require candidates to be flexible to meet our clients’ demands.

Salary Range

(dependent on experience)

How We Work

Delta Capita is an equal opportunity employer. We positively encourage applications from suitably qualified and eligible candidates regardless of age, color, disability, national origin, ancestry, race, religion, gender, sexual orientation, gender identity and/or expression, veteran status, genetic information, or any other status protected by applicable law.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. If you require any reasonable adjustments through your interview process, please use the designated space within the application questionnaire.

As the selection and interview process is ongoing, please submit your application in English as soon as possible. If your profile is selected, a member of our team will contact you. For this role a valid work authorization for the US is mandatory.

Who We Are

Delta Capita Group (a member of the Prytek Group) is a global managed services, consulting and solutions provider with a unique combination of experience in Financial Services and technology innovation capability. Our mission is to reinvent the financial services value chain providing technology based mutualized services for financial institutions for non-differentiating services.

• Managed Services
• Resource Augmentation
• Consulting
• Technology

To learn more about Delta Capita and our culture click here: Working at DC - Delta Capita.