Senior Loan Operations Analyst

Coastal States Bank•Mount Pleasant, IA

4d•Onsite

About The Position

This position provides advanced operational, analytical, and administrative support across multiple lending areas, including consumer, commercial, mortgage, correspondent, and marine programs. This senior level role operates with a high degree of independence, supporting complex loan workflows, exercising sound judgment in documentation review and exception resolution, and ensuring compliance with bank policies and regulatory requirements. The position serves as a key operational resource within Loan Operations, supporting loan processing, documentation review, closing coordination, collateral tracking, and ongoing communication with internal teams, correspondents, dealers, and customers. The Senior Loan Operations Analyst is expected to identify issues proactively, resolve or escalate risks appropriately, and support efficient, accurate loan lifecycle execution from preclosing through post-closing activities.

Requirements

Demonstrates a high degree of professional judgment, accountability, and ownership over complex loan operations activities.
Consistently delivers exceptional accuracy and attention to detail across high‑risk, high‑volume, and complex loan transactions.
Exhibits advanced organizational skills with the ability to manage competing priorities, deadlines, and workflow demands in a dynamic environment.
Communicates with clarity, confidence, and professionalism, effectively engaging internal partners, external correspondents, dealers, and customers.
Operates independently with minimal supervision, exercising discretion in issue resolution, escalation, and risk identification.
Technical Agility – Ability to rapidly adapt to new technologies.
Upholds the highest standards of ethics, integrity, confidentiality, and regulatory compliance.
Applies strong analytical and critical‑thinking skills to proactively identify issues, assess operational risk, and implement effective solutions.
Serves as a trusted operational resource and informal mentor within Loan Operations, supporting team effectiveness and knowledge sharing.
Minimum of ten (10) years of progressive experience in loan operations, loan processing, lending support, or related financial services roles, with demonstrated exposure to complex loan products and workflows.
Proven ability to interpret and apply state and federal lending regulations within operational processes.
Ability to learn and maintain knowledge of state and federal lending regulations
Completion of required compliance training (BSA, Information Security, etc.)
Ability to handle sensitive information with discretion

Nice To Haves

Bachelor’s degree in Business, Finance, Accounting, or a related discipline preferred; equivalent professional experience may be considered.
Advanced experience supporting consumer, commercial, construction, correspondent, and/or marine lending environments strongly preferred.
Demonstrated proficiency in loan origination, servicing, and document management platforms such as Fiserv, nCino, or comparable core banking and lending systems.
Strong working knowledge of Microsoft Office applications, with the ability to leverage technology to enhance operational efficiency, reporting accuracy, and process consistency.

Responsibilities

Independently review incoming loan files for completeness, accuracy, and regulatory compliance, exercising sound judgment in identifying exceptions, discrepancies, or potential risks.
Maintain high standards of data integrity within loan origination and servicing platforms, ensuring accuracy across complex loan records and lifecycle stages.
Proactively obtain missing documentation, resolve or appropriately escalate exceptions, and support internal and external audit preparation activities.
Serve as a knowledgeable point of contact for internal and external inquiries, responding with professionalism, urgency, and a strong understanding of loan operations processes.
Support insurance tracking, file organization, and daily reporting needs with minimal supervision, ensuring timely and accurate completion.
Manage and oversee third‑party UCC tracking and tax tracking services, including relationship coordination, issue resolution, and follow‑up to ensure lien perfection and compliance standards are met.
Independently review and process complex construction loan documentation, including budgets, draw requests, inspection reports, and related supporting materials.
Track construction project progress, identify discrepancies, exceptions, or potential risks, and communicate findings clearly and promptly to management.
Maintain and oversee construction tracking tools or systems, ensuring accurate setup, timely updates, and data integrity throughout the project lifecycle.
Coordinate directly with builders, borrowers, inspectors, and internal teams, serving as an experienced operational liaison to support efficient and compliant project flow.
Exercise judgment in resolving documentation or process issues and escalating concerns when appropriate to mitigate risk.
Independently review marine loan packages submitted by correspondents or dealers for completeness, accuracy, and adherence to policy and regulatory requirements.
Validate vessel details, including HIN, specifications, insurance coverage, and collateral documentation, ensuring lien perfection and collateral integrity standards are met.
Support and coordinate funding requests, boardings, lien perfection activities, and Coast Guard or state titling processes with attention to detail and regulatory compliance.
Communicate directly with marine dealers and correspondents regarding documentation requirements, exceptions, and loan status, representing Loan Operations with professionalism, clarity, and authority.
Support dealer chargeback reporting and follow‑up activities, identifying trends or issues and escalating concerns as needed.
Coordinate and support loan closings by preparing documentation, verifying closing conditions, and scheduling with internal and external parties.
Ensure all required loan documents are complete, accurate, properly executed, and compliant prior to closing and funding.
Independently process funding requests, ACH transfers, payoffs, and disbursements with a high level of accuracy, accountability, and timeliness.
Support and oversee lien perfection activities, including UCC filings, titles, vessel documentation, and related collateral requirements across loan types.
Conduct final file reviews prior to loan boarding, identifying and resolving post‑closing exceptions to ensure downstream operational accuracy and compliance.