Lending Operations

Lending Operations Finance Jobs

34 jobs found

23d ago

Director, Business Lending & Operations

Langley Federal Credit Union Newport News, VA Hybrid

Newport News, VA

23d ago

Full time Banking Business Compliance

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Job Description

Langley Federal Credit Union seeks a senior leader to direct its business lending and operations, overseeing underwriting, loan servicing, portfolio administration, and treasury management risk controls for commercial and business lending in a hybrid Newport News, Virginia setting.

Responsibilities

Build and lead teams responsible for commercial underwriting, credit analysis, loan servicing, treasury management, and commercial lending operations.
Provide senior oversight of underwriting and credit structuring for complex C&I, CRE, and business lending transactions, including covenant design, collateral structures, and financial analysis.
Establish and maintain underwriting standards, credit policies and procedures, and operational controls to ensure sound lending practices and regulatory compliance, plus quality control over credit memos, loan approvals, annual reviews, covenant tracking, and borrower financial monitoring.
Oversee the commercial loan pipeline from intake through underwriting, approval, closing, and servicing, ensuring efficiency and timely execution.
Direct all loan servicing and portfolio administration activities, including financial statement collection, covenant compliance monitoring, and portfolio risk reporting.
Oversee operational processes related to loan documentation, closings, post-closing review, and system boarding.
Provide oversight of treasury management risk controls for business services, including ACH, wire transfers, and other payment solutions.
Monitor the quality of the commercial loan portfolio, including risk rating migration, policy exceptions, past due loans, and credit performance trends.
Develop and maintain risk rating and profitability matrix tools in partnership with Finance and executive leadership expectations.
Ensure accurate and timely regulatory and internal reporting, including portfolio analytics and NCUA-related reporting requirements.
Lead initiatives to improve commercial lending processes, systems, and technology, including loan origination and servicing platforms.
Manage intake processes and ensure strong service standards for business members, including resolution of complex service or operational issues.
Identify emerging credit or operational risks and escalate issues to the department Vice President as appropriate.
Assist with leadership of the Business Lending department in the absence of the Vice President.

Requirements

Bachelor’s degree in Business Administration, Accounting, Finance, Economics, or related field required.
Eight to ten years of commercial lending experience, including underwriting complex C&I and commercial loan transactions, required.
Minimum five years of experience leading or managing credit, underwriting, or commercial lending operations teams.
Expert knowledge of commercial credit analysis, financial statement analysis, loan structuring, and covenant design required.

Competencies

Service Champion – Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors – Demonstrates a passion for Langley’s vision, encouraging diversity, equity, and inclusion while considering Langley’s values when making decisions and taking accountability for delivering results.
Agile in Action – Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven – Collaborates across Langley, communicating with transparency, and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners – Maintains an understanding of Langley’s business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.

Physical Requirements

The role requires sitting for extended periods and using a computer workstation, with close vision needed to view monitors. The ability to hear and speak clearly is required for interactions with coworkers, members, and vendors. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Working Conditions

The office environment typically features a moderate noise level. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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15d ago

DE Underwriter

United Mortgage Corp Melville, NY Hybrid

Melville, NY

15d ago

$95k - $135k/yr Full time Banking Compliance Credit

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Job Description

Based in Melville, NY with a hybrid work setup, United Mortgage Corp is seeking a DE Underwriter to evaluate residential mortgage loan applications, including government and conventional programs. The role focuses on analyzing income, assets, and third-party reports, following up on loan conditions to ensure compliance and timely closings, and supporting underwriting, processing, and advisory staff as needed.

Responsibilities

Underwrite loan files received daily according to FHA, agency, investor, and credit union policies.
Originate and validate FHA insured loans using HUD's FHA Connection system.
Review and sign off underwriting conditions in line with credit union policy while maintaining turn-times.
Maintain current knowledge of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws.
Keep up to date with FHA and secondary market requirements regarding credit, income, disclosure, and property; hands-on experience with agency-related internet and computer systems as necessary.
Analyze tax returns, credit and appraisal reports, fraud detection, and other income- or property-related documents to ensure compliance with agency, investor, and credit union requirements.
Organize and prioritize daily workload to ensure adherence to policy, procedures, and established turnaround times.
Communicate and interact with vendors, services, agencies, investors, staff, brokers and members.
Maintain current working knowledge of the mortgage industry and credit union standards and trends.
Monitor and resolve quality control issues on relevant files in a timely manner to prevent delays.
Collaborate with management to implement procedures that prioritize work within underwriting and processing as volume dictates.
Work closely with origination and operations staff to ensure compliance with guidelines and policies of the credit union and agencies.

Requirements

3-5 years of experience as an Underwriter with comprehensive mortgage knowledge.
Bachelor’s degree preferred or equivalent work experience.
Experience with FHA/VA/Agency loans.
Direct Endorsement (DE) required.
Strong analytical skills in credit and risk, with solid decision-making ability.
Effective interpersonal skills and technical report writing abilities.
Attention to detail.

Technologies

FHA Connection
HUD Direct Online System

Benefits

Healthcare, dental, and vision insurance
401(k)/Roth retirement plan
Paid time off
Paid holidays

Job Summary

The DE Underwriter primarily reviews and analyzes residential mortgage loan applications, including government and conventional loans. This role involves evaluating third-party reports such as credit reports and appraisals, calculating income, reviewing asset documentation, and following up on outstanding loan conditions to clear files for closing while ensuring compliance with applicable lending regulations.

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18d ago

Branch Manager

WESTERN FINANCE Nacogdoches, TX

Nacogdoches, TX

18d ago

$30k - $36k/yr Full time Manager Banking Branch

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Job Description

The Branch Manager position at Western Finance oversees branch operations, sales, and customer service in Nacogdoches, TX, onsite. The role focuses on staff development, security, and growth within a fast paced consumer lending environment.

Responsibilities

Oversee branch staff and daily operations
Manage cash handling and the flow of funds
Maintain and enforce security protocols
Provide leadership and mentorship to junior personnel
Train and support new branch employees
Foster a culture that promotes growth, learning, and success
Promote and sell designated services and products
Handle adverse customer situations professionally
Resolve debt-related customer issues while preserving goodwill for repeat business
Collaborate effectively with peers
Recruit, hire, train, and supervise branch staff
Address employee performance or disciplinary matters as they arise
Maintain professional dress reflecting the brand of a consumer-oriented business

Benefits

401(k) retirement plan
401(k) matching contributions
Dental insurance
Employee assistance program
Health insurance
Life insurance
Paid time off
Vision insurance

Job Type

Full-time

Salary

USD 30,000 - 36,000 per year

Location

Nacogdoches, TX (onsite)

Work Location

In person

Ability to Commute

Nacogdoches, TX 75965 (Preferred)

Ability to Relocate

Nacogdoches, TX 75965: Relocate before starting work (Preferred)

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22d ago

Universal Service Rep (Financial Service Rep)

Heritage Family Credit Union South Londonderry, VT

South Londonderry, VT

22d ago

$23 - $25/hr Full time Banking Business Development Cash Management

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Job Description

Heritage Family Credit Union’s Londonderry branch in South Londonderry, Vermont is seeking a Universal Service Representative to deliver a world-class member experience while supporting membership openings, lending processes, cross-selling, and daily branch operations. This onsite role offers a pay range of $23 to $25 per hour and requires at least one year of banking or sales experience with a high school diploma or equivalent.

Responsibilities

Cultivate relationships with individuals and local businesses to open new memberships.
Guide members through the consumer lending process from application to loan closing and identify additional financial goals we can support.
Assist members with compassionate problem-solving and provide education to help improve their future financial outcomes.
Welcome members with a friendly, professional demeanor to ensure a world-class experience on every interaction.
Handle member inquiries, loan requests, updates, troubleshooting, deposits, withdrawals, loan payments, transfers, and other transactions promptly and accurately.
Operate at a drive-up station as part of daily duties.
Open and close the branch, including arming and disarming security alarms and processing night drops or mail envelopes.
Support ATM or in-store ITM servicing and maintenance and perform check scanning as needed.
Maintain the MSR station at organization and supply levels, ensuring cleanliness and readiness.
Contribute to onboarding and training of new employees when required.
Collaborate with team members to meet branch goals and enhance the member experience while ensuring daily operations are completed.
Accurately process deposits, withdrawals, payments, and transfers as part of daily transactions.
Maintain up-to-date knowledge of all credit union products and services handled by Member Service Representatives and promote them as appropriate.
Actively identify, explain, and cross-sell credit union products and services where suitable.
Open new accounts and loans with proficiency, including consumer and business share accounts, term share certificates, debit cards, and more.
Ensure timely collection and review of account and loan documentation for accuracy and completeness.
Complete account and loan checklists and quality controls in a timely manner.
Adhere to credit union policies, procedures, and regulatory requirements, including AML and BSA considerations.
Assist other departments as needed, respond to emails and phone inquiries, and handle file, fax, and mail communications.
Back up other MSRs or FSRs as required and assist the Branch/Department Manager as needed.
Maintain reliable, predictable attendance and perform any other duties as assigned.

Requirements

High school diploma or equivalent is required.
Minimum of one year of banking and/or sales experience.
Experience with a financial institution involving account openings and lending is preferred.
Proficient with calculator, keyboard, and Microsoft Office Suite.
Basic computer and math skills.
Excellent verbal and written communication skills.
Strong attention to detail and problem-solving abilities.
Ability to work independently and as part of a team.

Technologies

Microsoft Office Suite

Benefits

Paid time off in addition to federal holidays.
Medical, dental, and vision coverage for employees working 24+ hours per week.
401(k) with company match.
Ongoing training opportunities.
Eight hours of volunteer time with an organization important to you.
Seasonal reimbursements for gym membership up to $25, hobby expenses up to $25, and fresh local foods up to $25.

Who We're Looking For

Strong relationship-building skills to position themselves as a trusted resource for members and teammates.
Problem-solving mindset and a commitment to delivering exceptional service through proven and creative strategies.
Motivation to achieve identified goals and objectives through individual initiative and collaborative teamwork.

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22d ago

Mortgage Underwriter

University of Hawaii FCU Honolulu, HI

Honolulu, HI

22d ago

$65k - $75k/yr Full time Banking Compliance Credit Analysis

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Job Description

University of Hawaii FCU offers an onsite Mortgage Underwriter role in Honolulu, HI with a competitive salary and a robust benefits package designed to support your financial security and professional growth. The position provides opportunities for leadership or backup responsibilities within a collaborative Mortgage Lending team.

Benefits

On-demand pay
Medical Insurance (including Drug and Vision; 100% employee self-coverage with optional family subsidy)
Dental Insurance (100% employee self-coverage; affordable family coverage)
Medical and Dental Plan Premium Waiver Option
401(k) Retirement Plan with Employer Match and Non-Elective Contribution
35+ Paid Days Off per year
Vacation Cash-Out Program
Flexible Spending Accounts for Healthcare and Dependent Care
Basic Life Insurance with AD&D
Long Term Disability Insurance
Voluntary Accident Recovery, Critical Illness and Hospital Insurance
Employee Assistance Program (EAP)
Employee Loan Discount
50% Subsidy for Adult Monthly Bus Pass
Cash Reward for Employee Referrals
Work anniversary rewards and gifts
Internal and External Professional Development Opportunities

Responsibilities

Review, analyze, approve, and underwrite complex consumer mortgage requests in line with company and industry guidelines
Assess financial statements, credit reports, and ratios such as debt-to-income and loan-to-value; verify transactions for accuracy; prepare formal reports; ensure document consistency and compliance; apply fraud-detection techniques and perform compliance reviews
Assist with loan restructures per lending guidelines and act as a technical resource for difficult issues
Provide direction, feedback, and training to junior underwriters and processors; mentor staff on credit decisioning and department procedures; deliver technical training for consistency
Assist with processing and closing residential mortgages through all stages to ensure compliance
May serve as team lead and provide performance feedback to less experienced team members
May back up the Supervisor in their absence
Evaluate loans under quality control, internal, and agency guidelines
Ensure accuracy of all loan file information to meet QC standards and investor guidelines
Maintain regulatory compliance and recommend procedural improvements for efficiency
Perform other duties as required

Technologies

Microsoft Office Suite
Loan Origination Systems (LOS)
Automated Underwriting Systems (DU/LP)

Requirements

Basic proficiency with MS Office Suite
Strong understanding of lending regulations
Solid knowledge of processing and underwriting procedures
Strong familiarity with Hawaii real property laws and regulations, including land court, Ohana dwellings, ADUs, lava zones, and various leasehold properties
Proficiency in income analysis for complex scenarios such as variable income, self-employment, retirement, seasonal income, and REO
General understanding of condo projects and agency guidelines for both new and existing properties
Recent direct underwriting experience (3+ years) in Mortgage Loan Operations, including processing and closing conventional first mortgage loans per Fannie Mae, Freddie Mac, and other secondary market guidelines
Experience underwriting loans with mortgage insurance; delegated authority experience is a plus
Familiar with first-time homebuyer programs, down payment assistance, and affordable housing programs offered through federal and state/local agencies such as HHFDC, HHOC, City and County of Honolulu
Experience with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP)
Excellent verbal and written communication skills
Strong analytical, creative, and problem-solving abilities
Ability to prioritize workload and meet deadlines
Ability to work independently and make sound decisions; handle stressful situations
Ability to manually calculate DTI and LTV outside of the LOS
Experience evaluating files for Post-Close QC audits and working on new project developments
Experience leading individuals in a production environment
Experience with government underwriting including FHA, VA, and USDA
Experience underwriting brokered loans through a wholesale channel
Education: High school diploma or GED
Minimum 3 years direct underwriting experience in Mortgage Loan Operations
Onsite work location: Honolulu, Hawaii

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24d ago

Underwriter II

Ponce Bank Bronx, NY

Bronx, NY

24d ago

$92k - $108k/yr Full time Banking Communication Credit

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Job Description

In this onsite Underwriter II position with Ponce Bank in the Bronx, you will evaluate and underwrite commercial real estate and construction loan applications, conduct risk assessments, prepare credit proposals, and monitor portfolio health. This role supports prudent lending and regulatory compliance within the bank’s real estate finance team.

Responsibilities

Underwrite and evaluate commercial real estate and construction loan applications.
Verify accuracy and consistency of all financial information and documentation; ensure loan files contain required application forms; validate regulatory disclosures provided by the processor.
Identify, review, and analyze relevant information to assess credit risk; determine profitability, strength of guarantor or borrower, and sources of repayment.
Disseminate financial information as part of the credit application process.
Review third party vendor reports while communicating with the respective parties to resolve discrepancies.
Prepare credit proposals on financial standing and present to the loan committee and/or Board of Directors for approval or denial; document reasons for policy exception recommendations, if any.
Monitor the existing portfolio, including annual credit reviews, renewal of lines of credit, and compliance with covenants.
Ensure adherence to bank policies and procedures and federal and state regulatory requirements.
Provide cross-functional support to other areas of the department and the Bank where service or assistance is needed.
Perform tasks supportive of the essential functions of the job, with adjustments possible depending on circumstances.

Requirements

Bachelor's degree in business, economics, accounting, finance, real estate development or related field; specialized mortgage loan underwriting education/training.
Minimum of five (5) years’ underwriting experience in commercial, construction, and owner-occupied mortgage loans with loan sizes over $5 million.
Construction experience strongly preferred.
Clearly communicates in English; proficient reading, writing, grammar, and mathematics.
Strong interpersonal and communication skills.
Proficient knowledge of underwriting practices.
Moderate PC skills, including working knowledge of Microsoft Office software.

Technologies

Microsoft Office

Impact

Enhances bank performance and profitability through disciplined underwriting and risk management.

Ancillary Functions

Ensures adherence to bank policies and procedures and federal and state regulatory requirements.
Provides cross-functional support to other areas of the department and the Bank where service or assistance is needed.
Performs tasks that support essential functions of the job and may be altered or redesigned based on circumstances.

Mandatory Training Curricula

Training is required for all bank staff on regulatory mandated compliance topics and courses relevant to specific job functions; refer to the course catalog and management for details.

Education/Training

Bachelor's degree in business, economics, accounting, finance, real estate development or related field is normally required; specialized mortgage loan underwriting education/training is noted.

Experience

A minimum of five (5) years’ underwriting experience in commercial, construction, and owner-occupied mortgage loans with loan sizes exceeding $5 million; construction experience strongly preferred.

Salary Range

Salary: $92,280 - $107,650 per year

Your Work Powers, Purpose, and Service

Behind the scenes, back-office professionals drive our mission. Through roles in operations, lending, compliance, marketing, or IT, your expertise fuels innovation and supports a community-first approach to banking.

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25d ago

Internal Audit and Quality Control Analyst

Southern Auto Finance Company, LLC Pompano Beach, FL

Pompano Beach, FL

25d ago

$60k - $80k/yr Full time Python Analyst Audit

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Job Description

Internal Audit and Quality Control Analyst role at SAFCO, on-site in Pompano Beach, FL, focusing on building, testing, and enhancing the corporate audit framework and QA program, analyzing data, and driving process improvements; salary range USD 60,000–80,000 per year.

Responsibilities

Assist in shaping SAFCO's corporate audit framework and quality assurance program.
Contribute to designing and executing audit procedures across business functions.
Test loan files for compliance with origination and funding policies.
Review servicing calls to ensure adherence to applicable laws, procedures, and internal standards.
Identify risks, control gaps, and process weaknesses, and help drive remediation.
Collaborate with business units to improve processes and strengthen controls.
Aid the development of QA scorecards with consistent standards across departments.
Analyze data from loan origination, servicing platforms, call monitoring, audit logs, and operational reports.
Identify trends, anomalies, and potential compliance risks.
Develop reports to support audit and compliance activities.
Support the development of dashboards for leadership visibility.
Leverage advanced Microsoft Excel and SQL/Python (intermediate to advanced) to enhance analysis and automation.

Requirements

1-5 years of experience in audit, compliance, operations, or financial services
Strong analytical mindset and attention to detail
Advanced Microsoft Excel skills
SQL, Python, or data/automation skills are a strong plus
Ability to interpret policies and apply them in real world testing environments
Experience with audits, QA, or process reviews preferred
Financial services or lending experience is a plus

Technologies

Microsoft Excel
SQL
Python

Benefits

401(k)
401(k) matching
Dental insurance
Disability insurance
Employee assistance program
Health insurance
Life insurance
Paid time off
Professional development assistance
Referral program
Retirement plan
Tuition reimbursement
Vision insurance

Important Work Requirements

This is a 100% in-office role (five days per week) in Pompano Beach, Florida
Remote or hybrid work is not available
Candidates must live within a reasonable commuting distance
Sponsorship for the role is not available

Certifications (Preferred)

CIA, CRMA, CPA, IAP or similar
Progress toward certification is strongly preferred and supported

Why Join SAFCO

Build real experience in internal audit and quality control
Play a direct role in designing and building the company's audit and QA infrastructure
High-impact role with visibility across the organization
Collaborative, fast-paced environment
Support for professional certifications and career development in audit and risk