Michael Carter

Columbus, OH

(614) 555-1842

michael.carter@email.com

linkedin.com/in/michaelcarter

SUMMARY 

Results-driven Loan Operations Specialist with 2+ years of experience in loan servicing, regulatory compliance, and escrow administration within regional banking environments. Proven record of achieving 99% transactional accuracy while supporting portfolios exceeding 300 active loans. Expertise in loan accounting systems and documentation control to optimize funding workflows, mitigate compliance risk, and drive measurable operational efficiency improvements across consumer and commercial lending functions.

SKILLS 

Loan Documentation Review

Escrow Administration

Core System Processing

Regulatory Compliance

UCC Tracking

General Ledger Reconciliation

EXPERIENCE 

Loan Operations Specialist

Summit Regional Bank, Columbus, OH

June 2023 – Present

• Process loan payments, advances, and disbursements for 250+ active accounts monthly, achieving 99% posting accuracy and eliminating reconciliation backlogs.
• Conduct pre-funding documentation reviews, reducing post-closing exceptions 22% within first year.
• Administer escrow disbursements for taxes and insurance, ensuring 100% on-time payments and preventing penalty assessments.
• Monitor UCC filings and insurance expirations, resolving 95% of deficiencies within established 48-hour SLA windows.

Loan Operations Assistant

Prairie Financial Services, Dayton, OH

May 2021 – May 2023

• Scanned and indexed 1,500+ loan documents annually, improving retrieval time 30%.
• Supported GL reconciliation and cleared non-posted items, reducing month-end variances by 18%.
• Assisted with construction loan draw tracking across $12M portfolio, maintaining zero funding discrepancies.

EDUCATION 

Bachelor of Business Administration

Ohio University, Athens, OH

Danielle Ramirez

Phoenix, AZ

(480) 555-7392

danielle.ramirez@email.com

linkedin.com/in/danielleramirez

SUMMARY 

Results-driven Loan Operations Specialist with 5+ years of experience in syndicated lending support, escrow management, and collateral administration within multi-state banking operations. Proven record of reducing documentation defects 28% while managing portfolios exceeding $150MM. Expertise in loan system administration and regulatory reporting to optimize servicing workflows, mitigate operational risk, and drive measurable compliance and efficiency gains across commercial and consumer credit platforms.

SKILLS 

Syndicated Loan Support

Collateral Release Processing

Escrow Analysis

Loan System Administration

HMDA Reporting

Investor Reconciliation

EXPERIENCE 

Loan Operations Specialist

Desert Valley Commercial Bank, Phoenix, AZ

March 2021 – Present

• Coordinate closing and funding for commercial credits averaging $2MM per transaction, supporting a $180MM portfolio with 100% pre-funding documentation compliance.
• Reconcile daily loan-related GL balances and investor reports totaling $150MM+, clearing suspense items within 48-hour control thresholds.
• Manage escrow analyses for 400+ accounts annually, issuing accurate refunds and shortage notices within regulatory deadlines.
• Execute collateral releases and UCC terminations for 175+ filings per year, preserving perfected lien status across jurisdictions.

Loan Servicing Analyst

Canyon State Lending Group, Scottsdale, AZ

January 2018 – February 2021

• Processed 120+ monthly loan transactions including payoffs and renewals, maintaining 99.5% settlement accuracy.
• Reviewed HMDA data integrity, reducing reporting discrepancies 24% before federal submission.
• Partnered with Underwriting and Compliance to resolve closing conditions, accelerating funding timelines by 3 business days on average.

EDUCATION 

Bachelor of Science in Finance

Arizona State University, Tempe, AZ

Christopher Bennett

Charlotte, NC

(704) 555-6621

christopher.bennett@email.com

linkedin.com/in/christopherbennett

SUMMARY 

Results-driven Loan Operations Specialist with 9+ years of experience in commercial loan servicing, collateral management, and regulatory governance within multi-bank financial institutions. Proven record of achieving 32% process efficiency gains while overseeing portfolios exceeding $300MM. Expertise in syndicated loan administration and internal control frameworks to optimize funding operations, mitigate regulatory exposure, and drive measurable enterprise-wide risk reduction and operational scalability.

SKILLS 

Commercial Loan Administration

Collateral Management Oversight

Regulatory Governance

Syndicated Lending Operations

Process Improvement Strategy

Investor Reporting

EXPERIENCE 

Loan Operations Specialist

Atlantic Heritage Bank, Charlotte, NC

April 2019 – Present

• Oversee loan servicing operations for $320MM commercial portfolio, improving funding cycle efficiency 32% through workflow redesign and system enhancements.
• Lead due diligence and collateral release reviews for 250+ annual transactions, sustaining 100% lien perfection compliance.
• Direct escrow administration and insurance monitoring across 600 accounts, eliminating lapse-related risk events for three consecutive years.
• Generate executive-level operational and risk reports, reducing audit findings 35% through strengthened control documentation.

Loan Operations Specialist

Piedmont Financial Group, Raleigh, NC

February 2015 – March 2019

• Managed syndicated loan closings and secondary trade settlements totaling $200MM annually, ensuring accurate lender allocations and zero settlement disputes.
• Implemented standardized UCC tracking framework, cutting continuation errors 27% across multi-state filings.
• Coordinated cross-functional underwriting and treasury teams to process 150+ monthly disbursements with 99.8% accuracy rate.

EDUCATION 

Master of Business Administration

University of North Carolina, Charlotte, NC

• Conduct pre-closing reviews of consumer credit files across multi-branch portfolios, validating documentation accuracy and regulatory alignment to prevent funding delays and mitigate compliance exposure.
• Safeguard and administer centralized loan records and secured file room systems supporting enterprise lending operations, preserving audit integrity and ensuring controlled access to sensitive financial documentation.
• Execute HMDA data validation for reportable applications, reconciling 100% of required data fields against source documents to maintain federal reporting accuracy and reduce examination findings.
• Administer SBA payment processing, booking, funding transactions, and 1502 reporting across government-backed portfolios, ensuring timely remittance cycles and accurate lifecycle servicing for compliant program execution.
• Manage escrow analyses, insurance tracking, UCC-1 continuations, and financial statement monitoring across commercial and consumer relationships, sustaining risk visibility and protecting collateral positions institution-wide.
• Process charge-offs, write-downs, non-accrual status changes, posting corrections, credit verifications, and bureau requests, resolving transactional discrepancies within established service levels to stabilize portfolio reporting.

Core Skills:

• Regulatory Compliance Review
• HMDA Data Validation
• SBA Loan Servicing
• Escrow Administration
• Collateral Tracking
• Loan Accounting Adjustments

• Order and track all third-party services including appraisal, title, and verification reports across active pipelines exceeding 40 files monthly, accelerating underwriting readiness and minimizing closing delays.
• Organize and index 100% of borrower documentation within digital file management systems, structuring data into designated categories to enhance audit traceability and cross-department accessibility.
• Update and reconcile Uniform Residential Loan Application (1003) sections using verified borrower documents, strengthening underwriting accuracy and reducing downstream condition revisions prior to approval.
• Validate bank and employer information within VOD and VOE documentation and review preliminary Closing Disclosure title itemizations, ensuring regulatory consistency and fee transparency across transactions.
• Audit incoming third-party reports for completeness and accuracy, identifying discrepancies before submission to underwriting to protect quality standards and maintain processing timelines.
• Generate borrower needs lists for incomplete files and monitor outstanding conditions through structured follow-up workflows, sustaining documentation turnaround cycles within established service benchmarks.

Core Skills:

• Third-Party Coordination
• Loan File Management
• 1003 Application Review
• Verification Analysis
• Condition Tracking
• Mortgage Compliance Review

• Calculate borrower income from paystubs, tax returns, and self-employment documentation across pipelines averaging 35–50 active files monthly, strengthening debt-to-income accuracy and underwriting reliability.
• Resolve Mavent compliance alerts and confirm Loan Estimate acknowledgments for 100% of federally regulated applications, reducing disclosure cure exposure and reinforcing TRID adherence across multi-state originations.
• Update Encompass with finalized financial data and verified documentation spanning multiple loan programs, ensuring system integrity and preserving audit-ready records throughout the lending lifecycle.
• Compute funds-to-close using title commitments and fee schedules, reconciling settlement figures within 24-hour turnaround windows to prevent closing delays and borrower dissatisfaction.
• Run AUS submissions with fully validated borrower profiles and interpret automated findings for conventional, FHA, and VA products, accelerating approval cycles and limiting rework conditions.
• Evaluate conditional approvals, issue structured resubmission requests, repull mortgage insurance quotes within same-day service levels, and monitor outstanding items to sustain workflow velocity and compress approval timelines.

Core Skills:

• Income Calculation
• AUS Findings Review
• TRID Compliance Controls
• Encompass System Updates
• Funds To Close
• Mortgage Insurance Analysis

• Administer escrow disbursements for city taxes, hazard insurance, and related obligations across portfolios exceeding 500 active accounts, ensuring 100% on-time payments and preventing penalty exposure.
• Resolve escrow setup discrepancies and validate analysis statements against current regulatory standards, reviewing more than 75 accounts monthly to minimize billing errors and compliance risk.
• Reconcile daily loan-related general ledger balances and complete month-end certifications for investor reporting packages totaling multimillion-dollar portfolios, clearing suspense items within 48-hour control thresholds.
• Process payments, advances, renewals, modifications, reversals, and waivers within the JHA servicing platform for diversified consumer and commercial relationships, preserving transactional accuracy and lifecycle continuity.
• Coordinate initial UCC filings, amendments, continuations, and terminations for secured commercial credits, monitoring lien status across 150+ filings annually to protect perfected collateral positions.
• Respond to customer inquiries, research discrepancies, resolve documentation exceptions in JHA, and index records within Synergy Imaging, sustaining service levels within same-day response benchmarks.

Core Skills:

• Escrow Disbursement Management
• General Ledger Reconciliation
• JHA Loan Servicing
• UCC Filing Administration
• Investor Reporting Support
• Collateral Documentation Control

• Lead complex transaction closings in partnership with Underwriting, Treasury, Accounting, Compliance, Legal, and Portfolio teams across syndicated credit facilities, ensuring seamless funding execution and controlled risk transfer.
• Review credit agreements, internal memoranda, funds flow models, fee letters, and KYC documentation for transactions averaging $50MM–$250MM, validating loan setup accuracy and safeguarding regulatory adherence.
• Organize closing deliverables and upload pricing, payment, utilization, and compliance data into enterprise loan systems, supporting ongoing servicing for multi-bank structures and cross-border commitments.
• Coordinate post-closing primary syndication activities with trading desks and legal counsel, confirming daily secondary trade settlements with counterparties to maintain precise lender allocations.
• Administer amendments, restructurings, payoffs, and global commitment updates across agented facilities involving 10+ bank participants, preserving pricing integrity and synchronized amortization schedules.
• Design and evaluate governance methodologies and internal control frameworks supporting large-scale credit operations, strengthening policy effectiveness and reinforcing enterprise-wide compliance standards.

Core Skills:

• Syndicated Loan Closings
• Credit Documentation Review
• Loan System Administration
• Secondary Trade Settlement
• Commitment Schedule Management
• Governance Framework Development

• Coordinate drawdown activity with Loan Management and Finance across multi-site portfolios exceeding 300 active facilities, executing funding events within agreed timelines to preserve liquidity control and client confidence.
• Collaborate with Credit, IT, Business Development, and Finance teams across multiple locations, supporting end-to-end payment processing for 100+ transactions monthly to sustain operational continuity.
• Enforce adherence to internal banking policies and procedural frameworks across all servicing workflows, achieving 100% completion of required control checks and strengthening enterprise compliance assurance.
• Administer customer complaint resolution in accordance with formal procedures, resolving the majority of cases within five business days to protect regulatory standing and service reputation.
• Maintain internal databases and management information systems powering SLA and KPI dashboards, delivering accurate performance reporting for senior leadership oversight of high-volume lending operations.
• Own critical operational processes, perform system and workflow testing during enhancement cycles, and implement efficiency improvements that reduce manual touchpoints and simplify service execution.

Core Skills:

• Drawdown Administration
• Operational Risk Controls
• Cross-Functional Coordination
• Management Information Systems
• Payment Processing Oversight
• Process Improvement Initiatives

• Record newly funded credits in the mortgage log for recorded-document follow-up across portfolios exceeding 300 active loans, strengthening post-closing visibility and reducing compliance exceptions.
• Process payment tickets and prepare accurate payoff statements within 24-hour turnaround standards, supporting timely settlements and minimizing reconciliation variances at loan maturity.
• Administer and monitor construction loan advances for projects with budgets ranging from $500K to $5MM, tracking staged disbursements against approved line items to control draw risk exposure.
• Onboard new loans, extensions, and maintenance updates into the Jack Henry core system while indexing documentation in Synergy, sustaining data integrity across 100+ monthly servicing transactions.
• Prepare and file mortgage satisfactions, UCC terminations, and collateral releases with county and state agencies, preserving perfected lien positions and protecting secured interests across jurisdictions.
• Generate daily operational reports and month-end financial summaries supporting bank and SBA reporting cycles, delivering complete datasets for regulatory filings and executive oversight review.

Core Skills:

• Mortgage Log Administration
• Construction Draw Management
• Jack Henry Core
• Collateral Filing Compliance
• Loan Payoff Processing
• SBA Financial Reporting

• Validate executed contracts against approved terms and structures across indirect lending portfolios exceeding 200 monthly originations, preventing funding errors and protecting policy compliance.
• Collaborate with Underwriting, Sales, and dealership partners to resolve closing discrepancies, accelerating clean file delivery and reducing suspense conditions before funding release.
• Review closing packages for adherence to Bank Lending Policy and government regulations, conducting semi-annual audits of 100% dealer files to sustain regulatory readiness and audit integrity.
• Verify dealership banking credentials and communicate validated information to funding and accounting teams, ensuring accurate disbursement flows and eliminating preventable payment disruptions.
• Prepare and organize error-free funding files for Document Imaging while maintaining daily account updates, supporting streamlined onboarding and reliable servicing continuity across assigned portfolios.
• Coordinate intake of paper applications and transmittals, manage correspondence and documentation inquiries, and perform targeted follow-up on deficiencies to deliver complete, imaging-ready loan files.

Core Skills:

• Indirect Lending Operations
• Contract Compliance Review
• Dealer File Auditing
• Funding File Preparation
• Regulatory Policy Adherence
• Loan Documentation Control

• Generate and analyze LAS Director and Viewpoint reports supporting executive oversight of portfolios exceeding $100MM, delivering accurate analytics that inform credit performance and servicing strategy decisions.
• Audit coworker daily file and transaction maintenance across high-volume environments averaging 250+ monthly entries, identifying discrepancies and clearing non-posted items to preserve accounting integrity.
• Monitor loan disbursement and paydown mailboxes for more than 150 active accounts, advancing funds and processing reductions within same-day standards to maintain controlled exposure management.
• Update daily loan rates within the accounting platform and execute payments, payoffs, wires, and ACH transfers with 100% transactional accuracy, ensuring precise settlement processing across diversified products.
• Administer collections functions including account maintenance, charge-offs, and recovery transactions, stabilizing delinquency metrics and reinforcing portfolio performance controls.
• Prepare general ledger tickets for mailed payments and manage tickler reports to resolve time-sensitive items within 48-hour control thresholds, sustaining compliance and operational discipline.

Core Skills:

• Loan Accounting Reporting
• Transaction Reconciliation
• Disbursement Oversight
• Wire And ACH Processing
• Collections Management
• General Ledger Administration

• Process incoming insurance correspondence for portfolios exceeding 400 active real estate loans, separating invoices from declaration pages to ensure accurate tracking and timely coverage validation.
• Scan and upload hazard and flood policies to the vendor platform for new and existing credits, preserving complete digital records and strengthening insurance compliance oversight.
• Review vendor-generated reports identifying expiring coverage and contact agents to resolve lapses, maintaining 100% continuous insurance protection across secured collateral positions.
• Administer escrowed premium payments as due and update corresponding addendums within the loan accounting system, sustaining accurate balance tracking and regulatory escrow compliance.
• Conduct pre-check and annual escrow analyses for residential mortgages, issuing refunds and posting shortage payments within regulatory timelines to prevent disclosure violations.
• Register real estate secured loans with tax vendors, remove satisfied accounts monthly, audit collateral vault records, and update assigned policy documentation to reinforce control governance.

Core Skills:

• Insurance Compliance Monitoring
• Escrow Account Administration
• Hazard And Flood Review
• Tax Vendor Coordination
• Collateral Vault Auditing
• Policy Procedure Maintenance

• Execute end-to-end loan transactions across portfolios exceeding 200 active facilities, managing disbursements, repayments, documentation control, and static data updates to ensure accurate lifecycle servicing.
• Process transactions within committed SLAs, achieving 98%+ on-time completion rates while promptly escalating exceptions to protect funding timelines and operational stability.
• Enforce adherence to internal and regulatory control frameworks across all servicing activities, reducing operational risk exposure and strengthening audit defensibility.
• Collaborate with Front Office, Credit, Compliance, and external stakeholders to resolve processing issues, ensuring seamless coordination across multi-functional banking environments.
• Respond to operational inquiries and provide process guidance to internal teams, improving clarity of procedures and reducing recurring transaction errors.
• Participate in process mapping, system enhancement initiatives, requirements gathering, and user acceptance testing while maintaining updated procedure documentation to sustain scalable operations.

Core Skills:

• Loan Transaction Processing
• SLA Performance Management
• Operational Risk Controls
• Cross-Functional Coordination
• Process Mapping
• Systems Testing Support

• Support real estate lending operations and management across multi-channel production teams, providing operational coordination that sustains consistent workflow execution and funding readiness.
• Produce initial disclosures for new applications and perform pre-funding audits on portfolio and secondary market loans, validating regulatory alignment and minimizing post-closing exceptions.
• Review and issue Adverse Action notices and withdrawn files in accordance with Reg B requirements, ensuring 100% timely notification compliance across evaluated credit decisions.
• Ship, fund, reconcile, and board real estate loans into servicing systems for pipelines averaging 75+ active files, maintaining precise onboarding and balanced settlement records.
• Manage suspended files and clear suspense conditions through structured follow-up, reducing aged pipeline items and preserving closing velocity across production channels.
• Conduct pre-Closing Disclosure reviews, support Quality Control file examinations, scan trailing documents, and assist with income analysis to reinforce documentation integrity and underwriting accuracy.

Core Skills:

• Real Estate Operations
• Reg B Compliance
• Pre-Funding Audit Review
• Loan Boarding Administration
• Pipeline Suspense Management
• Income Analysis Support

• Conduct due diligence reviews on payoffs, cross-collateralizations, and swap-related transactions across portfolios exceeding 250 active credits, mitigating release risk and safeguarding perfected security interests before discharge.
• Execute collateral releases for mortgages, assignments of rents, UCC filings, negotiable instruments, life insurance, and vehicle liens, maintaining 100% documentation accuracy before lien termination authorization.
• Monitor centralized group inbox requests and adhere to established SLAs, completing over 90% of release actions within 48-hour control thresholds to sustain service reliability.
• Validate UCC terminations prepared outside the department, reviewing 150+ external filings annually to prevent recording defects and preserve institutional lien priority.
• Lead and participate in Collateral Management initiatives while assisting managerial review and sign-off of daily release work, reinforcing quality controls across high-volume processing environments.
• Prepare metric reporting and cross-train across departmental functions, strengthening operational coverage models and enhancing continuity support for enterprise-wide collateral operations.

Core Skills:

• Collateral Release Oversight
• UCC Filing Review
• Due Diligence Analysis
• Lien Perfection Management
• SLA Performance Controls
• Operational Metrics Reporting

• Support the VP of Finance and the Lending Specialist in processing and closing new credits across multi-bank portfolios exceeding 200 active loans, ensuring accurate documentation flow and timely funding execution.
• Utilize loan and workflow systems to process documents, collect and apply payments, and board new and renewed notes, supporting 120+ monthly transactions across affiliated banking entities.
• Monitor covenant compliance, track maturities and renewals, and analyze required borrower submissions for commercial relationships, reducing lapse exposure and strengthening ongoing credit risk oversight.
• Produce monthly, quarterly, and annual operational and financial reports for executive leadership, delivering 100% complete reporting packages aligned with internal control and audit standards.
• Accept and process note payments and renewals within same-day posting thresholds, maintaining precise system records and minimizing reconciliation discrepancies across multi-entity servicing platforms.
• Communicate with customers and internal partners including Credit and Documentation teams, resolving inquiries efficiently while reinforcing adherence to established policies and regulatory procedures.

Core Skills:

• Loan Processing Operations
• Covenant Compliance Review
• Multi-Bank Servicing Support
• Workflow System Management
• Financial Reporting Controls
• Customer Account Coordination

• Maintain loan data integrity within Dime’s Core System across portfolios exceeding 500 active accounts, ensuring accurate contract terms and structures before funding authorization.
• Process loan payments, advances, disbursements, and general ledger entries with 100% posting accuracy, sustaining precise financial records and uninterrupted servicing continuity.
• Examine closing files for compliance with Bank Lending Policy and regulatory standards, reducing documentation defects and strengthening audit readiness across consumer lending operations.
• Manage Floor Plan financing activities including advances, paydowns, and record updates for dealer networks handling 75+ active units, preserving real-time inventory financing visibility.
• Serve as liaison between Dealer Representatives, Dealerships, and Consumer Lending teams, resolving funding discrepancies and securing error-free files before Document Imaging indexing.
• Draft departmental procedures, analyze system-generated and ad hoc reports, and support daily operational projects, reinforcing process consistency and scalable loan servicing performance.

Core Skills:

• Core System Administration
• Floor Plan Financing
• Regulatory Compliance Review
• General Ledger Processing
• Dealer Relationship Management
• Loan Data Integrity

• Prepare loan documents in accordance with approved credit terms for portfolios exceeding 250 active loans, ensuring 100% compliance with state, federal, and internal Credit Policy standards before closing.
• Review loan approvals for completeness and accuracy before document generation, following up on deficiencies to prevent funding delays and reduce documentation exceptions across multi-product pipelines.
• Draft and validate SBA loan documentation for government-guaranteed credits totaling multimillion-dollar exposure, maintaining strict adherence to federal program requirements and minimizing post-closing findings.
• Examine executed agreements and complete post-closing tasks including scanning, system uploads, and physical file assembly, preserving audit-ready records within centralized systems of record.
• Process paid loan reports monthly to release collateral and coordinate payoff quotes with title companies and relationship managers, ensuring timely lien discharge and accurate document retention.
• Monitor insurance reports and track 75+ maturing or expiring loans quarterly within the servicing platform, proactively updating records to sustain coverage compliance and portfolio continuity.

Core Skills:

• Loan Document Preparation
• SBA Regulatory Compliance
• Post-Closing Processing
• Collateral Release Administration
• Insurance Compliance Monitoring
• Loan Servicing Systems

• Coordinate loan closings with agents and attorneys across commercial and consumer portfolios, averaging 175 active files, ensuring timely transmission of documents, disclosures, and fees to meet funding deadlines.
• Maintain online loan reporting systems and assign unique loan identifiers for 100+ monthly originations, enhancing tracking accuracy and strengthening enterprise pipeline visibility.
• Order and review flood certifications, appraisals, title searches, evaluations, Phase I environmental reports, and UCC searches, completing due diligence within standard 3–5 day service windows.
• Verify credit approvals and confirm all supporting documentation is filed before disbursement, achieving 100% pre-funding documentation compliance and reducing post-closing exceptions.
• Examine incoming loan packages for completeness and executed pre-closing instructions, documenting policy variances to preserve audit defensibility and regulatory alignment.
• Provide cross-functional backup for commercial and consumer post-closing reviews and residential construction administration, sustaining operational continuity during peak volumes and staff coverage gaps.

Core Skills:

• Loan Closing Coordination
• Pre-Funding Documentation Control
• Due Diligence Processing
• UCC Search Administration
• Post-Closing Support
• Construction Loan Oversight

• Ensure loans are documented in accordance with Banc guidelines across portfolios exceeding 250 active commercial and real estate credits, sustaining policy adherence and audit-ready documentation standards.
• Review entity formation and authorization documents for 100+ borrowers annually, validating legal structure and signatory authority to mitigate enforceability and counterparty risk exposure.
• Order and analyze preliminary title reports, collaborating with title companies to clear exceptions and secure clean title positions before scheduled funding dates.
• Verify title commitments and confirm appropriate insurance coverage limits on transactions ranging from $500K to $10MM, protecting collateral interests and minimizing post-closing curative risk.
• Prepare lender instructions, advance deeds, and promissory notes for real estate-secured guidance lines of credit, coordinating escrow closings to ensure accurate and timely disbursement execution.
• Maintain comprehensive paper and electronic loan files and file 150+ UCC-1 statements, continuations, and terminations annually, preserving perfected lien status and regulatory compliance controls.

Core Skills:

• Loan Documentation Compliance
• Title Commitment Review
• Real Estate Closing Coordination
• UCC Filing Management
• Entity Documentation Analysis
• Collateral Perfection Oversight

• Review loan approvals to identify purchase conditions across agricultural and rural portfolios exceeding 150 active transactions, ensuring all pre-closing requirements are satisfied before acquisition funding.
• Establish direct communication channels with Sellers and Central Servicers, delivering timely post-approval guidance that reduces condition aging and accelerates purchase cycle timelines.
• Organize and assign appraisals to contract reviewers while tracking adequacy against Farmer Mac collateral valuation standards, maintaining compliance across multimillion-dollar secured exposures.
• Evaluate title submissions from Sellers, analyze deficiency responses, and coordinate with Underwriting on revisions, strengthening adherence to policy requirements and minimizing curative risk before closing.
• Prepare and distribute Instruction Letters and Conditions Before Funding, achieving 100% documentation completeness before loan purchase and preventing post-acquisition exception exposure.
• Drive operational enhancements within Closing Operations by documenting workflows, supporting system modernization initiatives, and providing cross-training with Client Services to expand departmental capacity and resilience.

Core Skills:

• Pre-Purchase Condition Review
• Appraisal Coordination
• Title Deficiency Analysis
• Closing Instruction Preparation
• Operational Process Improvement
• Cross-Functional Collaboration

• Assist in completing loan sizing and underwriting models using borrower and broker data for pipelines averaging 40+ prospective deals monthly, determining credit viability and structural feasibility.
• Input potential transactions into the origination platform and review submissions for Letter of Interest eligibility, issuing LOIs aligned with Security National Life lending parameters to advance qualified opportunities.
• Follow up with brokers and borrowers to obtain required documentation and status updates, reducing outstanding conditions and sustaining deal momentum through disciplined pipeline management.
• Process and reconcile daily monetary receipts and draft orders while keying accounting entries for loan fees and costs, ensuring 100% balanced cash application and ledger accuracy.
• Set up, review, and approve online banking and recurring transfers across internal and external accounts, safeguarding controlled fund movement and minimizing operational risk exposure.
• Distribute work queue assignments and group email requests within the team, supporting efficient task allocation and maintaining responsive service levels across active transaction volumes.

Core Skills:

• Underwriting Model Support
• Loan Origination Systems
• Letter Of Interest Review
• Cash Application Reconciliation
• Electronic Funds Transfers
• Accounting Entry Processing

• Coordinate outgoing credit and collateral file requests from officers, analysts, and loan review teams, fulfilling 95% of standard requests within one-hour turnaround to sustain responsive service levels.
• Log requestor details and timestamps for all file movements and file incoming credit and collateral packages daily within secured vaults, preserving controlled access and audit traceability.
• Scan and index documents within 48-hour control windows and file miscellaneous materials under appropriate tabs, ensuring archival accuracy and consistent documentation structure across portfolios exceeding 300 relationships.
• Purge paid-off relationships in accordance with Mercantile Bank retention and destruction policies, mitigating regulatory exposure and maintaining compliant record lifecycle management.
• Review collateral releases using established checklists and verify officer authorization prior to discharge, reducing documentation errors and protecting perfected lien positions institution-wide.
• Monitor hazard, flood insurance, and UCC filings and continuations for expirations, proactively tracking coverage and lien status to prevent collateral gaps and compliance deficiencies.

Core Skills:

• Collateral File Management
• Document Imaging And Indexing
• Records Retention Compliance
• Collateral Release Review
• Insurance Tracking Oversight
• UCC Monitoring