Senior Associate, Mortgage & Real Estate Closing & Servicing

Lincoln Financial Group; Charlotte (NC); Hybrid; USD 58,000 - 78,000; Full time

Benefits offered by this job

Career tracks and job levels

Virtual training opportunities

Tuition assistance

Work arrangements that work for you

Job summary

Lincoln Financial Group in Charlotte, NC is seeking a loan servicing professional to administer and service a commercial loan portfolio, processing payments, advances and payoffs. You will monitor covenants, insurance and regulatory requirements, maintain loan records, and collaborate with borrowers and internal teams to resolve servicing issues.

The role emphasizes in-office work, with opportunities to leverage AI-enabled tools to improve workflows and support audits and regulatory examinations

Qualifications

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's).
• 3+ Years' experience in commercial loan servicing, commercial mortgage servicing, or commercial banking.
• Able to work a minimum of 40 hours per week, with a minimum of 4 days in the office.
• Working knowledge of commercial lending practices, loan documents, and applicable regulations.
• Working knowledge of escrow administration and insurance/tax tracking requirements.

Responsibilities

• Administering and servicing the commercial loan portfolio, including processing payments, advances, and payoffs.
• Monitoring loan covenants, insurance, and other compliance requirements throughout the loan lifecycle.
• Maintaining and updating loan documentation and records in our loan servicing system(s).
• Managing escrow accounts and insurance/tax tracking.
• Preparing and distributing reports for management, investment accounting, and regulatory agencies.
• Coordinating with borrowers, correspondents, relationship managers, and internal teams to identify and resolve servicing issues.
• Processing requests for lender consent, loan modifications, renewals, extensions, and payoff calculations.
• Responding to borrower, correspondent and internal inquiries accurately and in a timely manner.
• Assisting with audits and regulatory examinations as needed.
• Learning and actively using AI-enabled and automation tools as part of day-to-day servicing work.
• Identifying inefficiencies or gaps in current servicing workflows and proposing practical improvements, drawing on prior experience and available technology.
• Supporting the evaluation and rollout of new servicing tools, templates, or process changes as the team modernizes its workflows.

Skills

Commercial loan servicing

Loan documentation

Escrow administration

Regulatory knowledge

Microsoft Office

Education

Bachelor’s degree or equivalent

Tools

AI platforms

Job description

Be Aware of Fraudulent Recruiting Activities

Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at [e-mail] if you encounter a recruiter or see a job opportunity that seems suspicious.

Select how often (in days) to receive an alert:

Alternate Locations:

Charlotte, NC (North Carolina); Greensboro, NC (North Carolina)

Work Arrangement:

In Office : Employees willworkin a Lincoln office with a designated workspace.

Relocation assistance:

is not available for this opportunity.

Requisition #: 76604

What you'll be doing

• Administering and servicing the commercial loan portfolio, including processing payments, advances, and payoffs.
• Monitoring loan covenants, insurance, and other compliance requirements throughout the loan lifecycle.
• Maintaining and updating loan documentation and records in our loan servicing system(s).
• Managing escrow accounts and insurance/tax tracking.
• Preparing and distributing reports for management, investment accounting, and regulatory agencies.
• Coordinating with borrowers, correspondents, relationship managers, and internal teams to identify and resolve servicing issues.
• Processing requests for lender consent, loan modifications, renewals, extensions, and payoff calculations.
• Responding to borrower, correspondent and internal inquiries accurately and in a timely manner.
• Assisting with audits and regulatory examinations as needed.
• Learning and actively using AI-enabled and automation tools (e.g., document extraction, data validation, reporting assistants) as part of day-to-day servicing work.
• Identifying inefficiencies or gaps in current servicing workflows and proposing practical improvements, drawing on prior experience and available technology.
• Supporting the evaluation and rollout of new servicing tools, templates, or process changes as the team modernizes its workflows.
• Working on projects and team initiatives as requested.

What we’re looking for

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) – Minimum Required
• 3+ Years' experience in commercial loan servicing, commercial mortgage servicing, or commercial banking that aligns with the specific responsibilities for this position.
• Able to work a minimum of 40 hours per week, with a minimum of 4 days in the office.
• Working knowledge of commercial lending practices, loan documents, and applicable regulations.
• Working knowledge of escrow administration and insurance/tax tracking requirements.
• Critical thinking skills.
• Must be detail oriented.
• Strong organizational skills with the ability to manage multiple loans and work independently in a time-sensitive environment where meeting established deadlines is critical.
• Strong interpersonal/customer service skills with the ability to create/build and maintain relationships with internal and external stakeholders.
• Excellent written and verbal communication skills.
• Working knowledge of Microsoft Office Suite (Teams, Word, Excel, PowerPoint, and Outlook).
• Demonstrated adaptability — comfortable with change, new systems, and evolving processes, with a track record (or clear inclination) of suggesting process improvements once familiar with how a team operates.
• Experience with AI platforms (e.g., Microsoft Copilot, Claude, etc.) is preferred.
• Familiarity with regulatory and reporting requirements relevant to insurance company general account lending (e.g., NAIC schedules) is preferred.

Application Deadline

Applications for this position will be accepted through November 11th, 2026 subject to earlier closure due to applicant volume.

What’s it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What’s in it for you:

• Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values andleadership attributes
• Leadership development and virtual training opportunities
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling [phone].

This Employer Participates in E-Verify. See the E-Verify notices.