Loan Operations Manager

DLP Bank•Saint Augustine, FL

About The Position

The Loan Operations Manager leads the teams responsible for moving loans from approval through booking and servicing across the Bank’s mortgage, consumer, and commercial portfolios. The role is accountable for the accuracy, speed, and compliance of closing, documentation, funding, boarding, servicing, and post-closing quality control. It partners operationally with lenders, credit officers, and branch teams in the St. Augustine and Jacksonville markets. This is a hands-on leadership position focused on keeping work moving, coaching staff, and delivering accurate loan files and a positive borrower experience. The manager oversees loan operations across mortgage, consumer, and commercial lending; maintains controls and regulatory compliance; develops staff; monitors performance; and leads process improvement and system or automation projects.

Requirements

Bachelor’s degree in business, finance, or a related field, or equivalent experience.
Five or more years of loan operations experience in a bank or credit union, including mortgage and commercial or consumer lending.
Two or more years leading or supervising a team.
Working knowledge of TRID, RESPA, Regulation Z, HMDA, ECOA, flood, and BSA requirements.
Proficiency with a core banking platform, a loan origination system, and Microsoft Office.
Clear, friendly communication skills and comfort working with lenders, borrowers, and regulators.
Detail-oriented, organized, and steady under deadline pressure.
Strong coaching ability, including developing people and building a team that owns its results.
Sound judgment on exceptions, with a habit of escalating early and documenting well.

Nice To Haves

Experience in the Northeast Florida market.
Experience with secondary market delivery, SBA, or construction lending.
Certifications such as CMB, CRCM, or similar.

Responsibilities

Oversee processing, underwriting support, closing, funding, and post-closing for conventional, FHA, VA, and portfolio mortgage products.
Manage secondary market delivery, investor conditions, file readiness, pipeline monitoring, and rate-lock monitoring.
Ensure timely and accurate TRID disclosures, escrow setup, flood and insurance tracking, and HMDA data integrity.
Direct documentation, funding, and boarding for auto, personal, home equity, and lines of credit.
Maintain turnaround standards for indirect and direct consumer loans and resolve exceptions quickly.
Monitor adverse action, privacy, and disclosure requirements to protect fair lending compliance.
Supervise commercial loan documentation, closing coordination, collateral perfection, and loan boarding.
Track insurance, UCC filings, covenants, financial reporting requirements, and exception reports.
Partner with relationship managers and credit administration on renewals, modifications, and participations.
Perform and oversee quality control reviews and drive timely correction of file and documentation exceptions.
Support regulatory examinations and internal and external audits with accurate reporting and file production.
Maintain procedures and workflows aligned with FDIC, FFIEC, and Florida banking requirements, and escalate risk early.
Reconcile loan system activity to the general ledger and resolve variances.
Hire, train, schedule, coach, and evaluate loan operations staff, and build cross-training across all three loan lines.
Set performance goals, track turnaround times and error rates, and report results to senior leadership.
Lead process improvement and core system or automation projects that remove steps and reduce rework.
Serve as the escalation point for borrowers, lenders, and branch partners with a calm, solution-focused approach.