Loan Operations Specialist

The Agency; Grapevine (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

The Agency is seeking a Commercial Loan Operations Specialist to support the commercial lending team from closing to payoff. You will board and service commercial, CRE, and SBA loans, maintaining organized, exam-ready files and ensuring strong documentation practices and customer service.

The ideal candidate thrives in a fast-paced growth environment, takes ownership, and drives tasks to completion with minimal supervision while partnering with lenders, credit teams, and borrowers.

Qualifications

• 3+ years in commercial loan operations, servicing, or documentation within a bank or credit union.
• Solid knowledge of commercial/CRE loan docs, UCC filings, flood requirements, and lien perfection.
• Excellent attention to detail with ability to manage multiple deadlines.
• Experience with core banking and loan servicing systems; proficiency in Excel; knowledge of Jack Henry or Fiserv is preferred.
• Strong written and verbal communication with lenders, attorneys, title companies, and borrowers.

Responsibilities

• Review closing packages and board new loans, renewals, modifications, and participations.
• Process loan advances, draws, payments, payoffs, and rate changes including construction draws.
• Track collateral and documentation exceptions such as UCC filings, deeds of trust, and appraisals.
• Monitor covenant requirements and financial statements; follow up with borrowers and lenders.
• Maintain organized loan files for audits, reviews, and OCC requests.
• Reconcile loan accounts, escrow and participation balances; resolve discrepancies.
• Prepare payoff letters, verifications of debt, and routine loan reports.
• Collaborate with lenders, closing attorneys, title companies, and borrowers to ensure accurate servicing.
• Identify opportunities to improve loan operations procedures and checklists.

Skills

Commercial loan operations

Loan servicing

Loan documentation

Attention to detail

Written/verbal communication

Tools

Microsoft Excel

Jack Henry

Fiserv

Job description

A growing commercial bank is seeking a Commercial Loan Operations Specialist to support its commercial lending team throughout the entire loan lifecycle, from closing through payoff. This role is responsible for accurately boarding and servicing commercial, commercial real estate (CRE), and Small Business Administration (SBA) loans while maintaining complete, organized, and exam-ready loan files. The successful candidate will serve as a trusted partner to lenders, credit teams, and borrowers, helping ensure efficient loan administration, strong documentation practices, and consistent customer service.

The ideal candidate is a high-performing, self-directed professional who thrives in a fast-paced, high-growth environment where priorities may shift and processes continue to evolve. This individual will take ownership of responsibilities, exercise sound judgment, solve problems proactively, and drive work to completion with minimal supervision.

Key Responsibilities

• Review closing packages and board new loans, renewals, modifications, and participations in the core banking system, verifying terms against approved credit and executed loan documents.
• Process loan advances, draws, payments, payoffs, and rate changes, including construction draw requests and lines of credit.
• Track and resolve collateral and documentation exceptions, including UCC filings, deeds of trust, insurance, flood determinations, title documentation, and appraisals.
• Monitor loan ticklers and covenant requirements, including financial statements, compliance certificates, insurance renewals, and borrowing base reports, following up with borrowers and lenders as needed.
• Maintain complete, organized, and accurately imaged loan files to support internal audits, loan reviews, and regulatory examinations, including Office of the Comptroller of the Currency (OCC) document requests.
• Reconcile loan accounts, escrow balances, and participation balances while investigating and resolving discrepancies.
• Prepare payoff letters, verifications of debt, and routine loan reports for management.
• Collaborate with lenders, credit personnel, closing attorneys, title companies, and borrowers to facilitate timely and accurate loan servicing.
• Identify opportunities to improve loan operations procedures, workflows, and checklists as the commercial loan portfolio grows.
• Maintain strong documentation standards, confidentiality, and compliance with established lending policies and procedures.

Required Qualifications

• 3+ years of commercial loan operations, loan servicing, or loan documentation experience within a bank or credit union.
• Working knowledge of commercial and commercial real estate loan documentation, UCC filings, flood requirements, and lien perfection.
• Strong attention to detail and the ability to manage competing deadlines across multiple loans and transactions.
• Experience with core banking and loan servicing systems, along with proficiency in Microsoft Excel. Experience with Jack Henry, Fiserv, or similar platforms is preferred.
• Strong written and verbal communication skills, with the ability to work effectively with lenders, closing attorneys, title companies, and borrowers.
• Demonstrated organizational skills, sound judgment, and the ability to identify, prioritize, and resolve operational issues.
• Ability to work independently, take initiative, and follow through on responsibilities with limited supervision.
• Commitment to accuracy, customer service, confidentiality, and maintaining high standards of performance.

Preferred Experience

• SBA loan servicing and administration.
• Commercial loan participations.
• Construction loan administration and draw processing.
• Experience supporting a growing commercial banking organization with evolving processes and priorities.

Core Competencies

• High standards and a demonstrated record of strong performance, reliability, and follow-through.
• Self-starter mentality with the ability to identify problems, recommend practical solutions, and execute with limited supervision.
• Adaptability and comfort with changing priorities, incomplete information, and evolving processes in a high-growth organization.
• Strong organizational judgment, including the ability to distinguish urgent matters from important priorities, elevate material risks promptly, and resolve routine issues independently.
• Clear, concise communication and the ability to build productive working relationships across departments and organizational levels.
• Attention to detail without losing sight of efficiency, customer service, and broader business objectives.
• Integrity, discretion, and sound judgment when handling confidential customer, employee, and company information.

This is an excellent opportunity for a detail-oriented commercial loan operations professional seeking to join a growing commercial bank where operations works closely with lending leadership and plays a critical role in every transaction. The position offers the opportunity to make a meaningful impact on loan quality, operational efficiency, and the bank's continued growth.

Equal Employment Opportunity Statement

The Agency Recruiting follows Equal Employment Opportunity (EEO) guidelines and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.