Sr. Agency Operations Associate - Loan Operations Team

Capital One; McLean (VA); À distance; USD 89 000 - 101 000; Plein temps

Résumé du poste

Capital One is seeking a Sr. Agency Operations Associate on the Loan Operations Team. The role supports agency finance loan servicing with the flexibility to work from home, while requiring proximity to our McLean, VA or Charlotte hub.

You will oversee loan maintenance, perform system exception reviews, manage payments and reporting, and collaborate with vendors. A bachelor’s degree or military experience is required along with Microsoft Office or Google Suite proficiency.

Qualifications

• Bachelor’s Degree or Military Experience required.
• 2+ years in Commercial Banking or Loan Operations.
• Proficiency in Microsoft Office or Google Suite.

Responsabilités

• Oversee daily loan- and investor-level maintenance in the servicing system.
• Perform advanced exception system maintenance to minimize risk.
• Review analysis of system exception reports with accuracy.
• Monitor Bloomberg index uploads and adapt to GSE requirements.
• Process post-closing fees and validate documentation.

Connaissances

Commercial Banking

Loan Operations

Microsoft Office

Google Suite

Formation

Bachelor’s Degree or Military Experience

Finance Degree

Outils

McCracken Strategy

GSE knowledge

Description du poste

Sr. Agency Operations Associate - Loan Operations Team

Are you looking for a challenging role that includes the convenience of working virtually at home? Then a Capital One Commercial Ops role may be the role for you! You must be within 50 miles driving distance from our Capital One hub location in McLean, VA or Charlotte, NC.

Agency Finance Loan Servicing is a division of the Capital One Commercial Bank, this team supports numerous critical processes and transactions. By cultivating innovative solutions and embracing technology, this team creates an unforgettable and unparalleled experience for our associates and customers. One of the most impactful groups in the Loan Servicing team is the Loan Operations Team. The team supports a total loan portfolio of $50BN and provides ongoing support for the life of the loan. The organization focuses on delivering scale and efficiency, mitigating operational risk, providing a smooth customer experience and enabling talented associates to excel.

Responsibilities

• Oversee daily critical loan- and investor-level loan maintenance in the loan servicing system, such as payoffs, defeasances, customer auto-debits, and investor transfers tied to ongoing loan sales and securitizations.


• Perform advanced exception system maintenance while proactively identifying control opportunities to minimize risk.


• Review and approve analysis of system exception reports and related system maintenance with a high degree of accuracy and assist associates with resolving outages.


• Monitor and approve daily Bloomberg index uploads and facilitate changes as required by the GSEs or market conditions.


• Manage payment of post-closing fees to attorneys, investors, and third parties; evaluate documentation to ensure information is complete and required signatures are included.


• Initiate, support, and enhance internal reporting and metrics tracking, including tracking project performance and remediation activity.


• Review and analyze loan documents to ensure accurate loan data and make evidence-based recommendations.


• Collaborate with the loan servicing system vendor regarding system issues, version upgrades, and modifications or enhancements.


• Lead planning, testing, and implementation of new functionality and processes aimed to streamline and/or automate manual tasks.


• Experience with Microsoft Office or Google Suite


• Serve as a subject matter expert for Loan Operations, providing excellent customer service and clearly communicating complex results to teammates, Borrowers, Investor contacts, attorneys, and internal partners.

Work from Home Technology Requirements

• A secure home office environment that is free from background noise and distractions


• A reliable private internet connection that is not supplied via cellular data or hotspot
  
  
  
  • A private network that is password protected where you have ownership or line of sight to every device on the network
  
  
  • Internet service must be provided by Cable or fiber Internet Service Provides (ISP)
  
  
  • Hotspots and satellite services are prohibited and do not meet performance criteria required for optimal agent/customer interactions
  
  
  • ISP download speeds on VPN must be at least 5Mbps, with 10+ Mbps preferred
  
  
  • To validate ISP speeds from a Chrome browser, go to www.google.com, type Speed Test and run from the Google landing page
  
  
  
  


• Both Hardwire and WiFi internet connections are acceptable as long as speed and security requirements are met

Work from Home Living Requirements

• Candidates must live within approximately 50 miles of one of the hub locations based in 22102 or 28203 and be comfortable coming in person whenever required with no less than 24 hours notice.

Basic Qualifications

• Bachelor’s Degree or Military Experience


• At least 2 years of Commercial Banking or Loan Operations experience

Preferred Qualifications

• Bachelors Degree in Finance or Accounting


• 3+ years of experience with McCracken Strategy


• 3+ years of experience with Government Agencies (Fannie Mae, Freddie Mac, and Ginnie Mae)

At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer).

CommOps

Charlotte, NC: $80,800 - $92,200 for Sr. Agency Ops Associate McLean, VA: $88,800 - $101,300 for Sr. Agency Ops Associate

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.