Operations Analyst II (Commercial Lending)

About the Job:

Responsible for processing expertise when performing the departments daily operational tasks and when providing operational support to internal business partners and/or Clients.  Responsibilities may include but are not limited to establishing and ongoing maintenance of accounts, loans, and/or cards; managing exceptions for several payment channels; researching or reconciling complex information; and routinely acts as a point of escalation.  Accountable for performing assigned functions efficiently while ensuring all regulations, procedures, and polices are adhered to.  Acts as a resource and routinely recommends potential improvements in execution.  Provides helps to ensure the day to day functions are carried out according to policies and procedures.

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Performs assigned activities required to support Global Operations. Works independently and has proven expertise that is applied to the essential functions.  Uses knowledge or resources to resolve complex issues; seldom encounters issues requiring customer concern. General operations functions may include, but are not limited to:

• Tracking, verifying, and/or inputting information
• Reviewing accuracy/scrutinizing of information or loan documents 
• Preparing reports
• Analyzing and researching items for resolution
• Processing transactions or resolving exceptions
• Provides daily loan maintenance to support client’s needs after the loan is boarded
• Performs advance requests and have a clear understand of International Money Transfers, FED, DDA, etc.
• Capable of processing and review of Interest changes, commitment amount, fees, etc.
• Applies collections to client’s loans
• Reviews loan documents
• Responsible for onboarding and maintaining client loans on multiple loan systems
• Prepare payment schedules and post payments to loan system
• Performs quality assurance
• Handles Letters of Credit boarding and maintenance
• Performs governance activities
• Provide client support and training
• Handle fee logs/Review Control Reports
• Completing and overseeing daily checklist ensuring all controls, procedures and processes relating to the assigned functions are followed
• Proactively handling operational risk inherent in business
• Ensuring all operational risk/issues are identified and mitigated appropriately and proactively
• Delivering transactions in agreed time - frames, as per SLA’s whilst improving quality of processing, reducing errors and inculcating the zero-error culture

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What You’ll Bring:

• Proven expertise of bank products, loan systems (Loan IQ/ACBS/Flexcube etc.) regulations, processes and procedures; may require expertise of more than one group of operational functions
• Demonstrated Commercial Lending Operations experience which includes, but is not limited to the Boarding, Funding and Servicing of Commercial Loans
• Demonstrated knowledge of the associated processes, procedures, controls, and documentation associated with Commercial Loans​
• Strong ability to multi-task, handle high volumes, and support cross-functional teams
• Excellent written and verbal communication skills with ability to convey information
• Proficient at independently researching and solving complex scenarios
• Solid networking skills, strong ability to establish relationships with internal clients. Strong attention to detail
• Critical thinking with the awareness to know when to challenge or question
• Able to work in a transforming environment and be an ambassador for change
• Skills for following process and procedures
• Able to act as a Subject Matter Expert and leader for less experienced team members and work independently with Business Partners as a SME on projects and initiatives as assigned

Education and Experience

• Bachelor’s Degree (preferably commerce)
• 4-7 years of related professional experience (banking/financial services industry, specifically commercial lending operations experience)