Regional Closing Analyst

Position Title: Regional Closing Analyst

Line of Business: Risk

Home Department: Loan Operations

Branch Location: Dallas, Tx, Plano, TX

Reports To: Loan Operations Manager

FLSA Status: Exempt

Position Summary:

The Regional Closing Analyst (RCA) is the main interface with Relationship Managers, Relationship Associates, Portfolio Managers, outside Attorneys and Title Companies for all matters related to the loan transactions. The incumbent will support the broader loan operations team by supporting the day-to-day closing and documentation of loans in a broad range of industries that require special handling and industry knowledge. Responsible for a variety of activities to ensure data integrity of loans, including gathering, reviewing, and preparing loan documents prior to onboarding in the core loan system. Perform regular quality review of loan documentation. The ability to work in a demanding environment with high volume and be able to multi-task while having excellent communication skills, both oral and written, are important. Candidates should have experience with all loan operation functions while managing multiple workflow systems.

Essential Duties & Responsibilities:

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Manage and directly support a wide-ranging loan portfolio through LaserPro, LaserPro Plus and Attorney Prepared documents for new, renewed, and modified loans for the commercial and corporate lines of business to include real estate, construction, and varying business industries.
• Manage the day-to-day workflow of the loan closing process delivering superior service to internal client partners, outside attorneys, title and insurance companies, and other third-party vendors, providing expertise to the team and client to ensure that policy, legal, compliance and regulatory matters necessary for closing are addressed early in the process.
• Ensure that transactions are closed per the instructions stated in the Credit Approval Memo.
• Read and interpret Credit Agreements ensuring all policies and procedures are consistently met.
• Ensures that all documents required for closing are in place prior to issuing a judgmental "clear to close" decision.
• Obtain proper approval from Credit Officers for exceptions of trailing and missing documents and ensure that the appropriate follow-up actions are in place to insure receipt of any approved trailing documents.
• Ability to work independently on day-to-day tasks, utilizing prior experience, knowledge, and continuing education.
• Perform high volume transactions including approving loan boardings, fundings, UCC Searches/Filings, Environmental requests, etc. as instructed in accordance with Credit Agreements.
• Accurate tracking of insurance required, HMDA, and CRA requirements.
• Review daily reports to ensure all closing activity has been completed accurately.
• Communicate with lines of business partners, managers, and other operations partners regarding loan transactions, research, and exceptions.
• Promptly identify, communicate, and remediate errors.
• Help advance positive change within the team and the organization.
• Foster a collaborative teamwork environment.
• Performs all other duties as assigned.

Supervisory Responsibility:

While this position does not have direct reports, there is the responsibility of providing direction to multiple parties while achieving shared goals.

Job Type:

This is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.

Travel:

Local is expected for this position.

Working Conditions & Physical Requirements:

This position operates in a professional office environment. This position requires regular sitting, walking, standing, lifting (up to 50 pounds), reading, seeing (including color, peripheral vision, depth perception, and adjusted focus), speaking, hearing, listening, organizing, interpreting data and information, operating office equipment, typing using a computer keyboard and mouse, viewing a computer screen monitor, and use of a telephone. The working environment consists of an indoor and climate-controlled setting most of the time.

Education, Experience & Other Qualifications:

• High School Diploma, GED, or equivalent certification.
• At least 5-7 years of related commercial banking and/or legal experience.
• Proficient knowledge of commercial loan documentation requirements, commercial lending credit policies and guidelines.
• Proficient knowledge of loan regulatory rules (e.g., Insurance).
• Thorough knowledge of loan closing procedures and policies preferred but not required.
• Thorough knowledge of FIS, nCino and LaserPro Loan Doc Prep System (or equivalent vendor systems), and other banking systems preferred but not required.
• Strong verbal and written communication skills, with emphasis on experience in face-to-face negotiations, group presentation
• skills and executive presence.
• Demonstrated expertise in effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
• Demonstrated expertise in coordinating task and resources and project requirements by breaking them down into task and
• engaging multiple internal and external partners to determine appropriate roles and responsibilities.
• Knowledgeable on workflow management and possesses strong organizational skills.
• Proficient in all Microsoft Office software.

Preferred Qualifications/Requirements:

• Bachelor's Degree or Military experience.
• 8+ years of banking experience, preferably in commercial loan operations.
• 3+ years of experience with FIS, LaserPro, nCino/Salesforce.

Core Knowledge, Skills, & Abilities:

Analytical Thinking & Problem Solving – Works well under pressure and deadlines with complex issues. Applies analysis to data and compliance requirements, identifying trends, addressing potential risks, and providing actionable insights to support strategic initiatives.

Attention to Detail – Maintains a high level of accuracy, ensuring all records, reports, and metrics are precise and compliant with regulatory standards.

Risk Assessment & Management – Evaluates situations to assess risk, applying appropriate policies, procedures, and judgment to anticipate and mitigate potential issues in alignment with the bank's risk tolerance and regulatory compliance requirements.

Relationship Building, Collaboration & Communication – Works effectively with internal and external customers, across teams and departments, communicating information clearly and building partnerships to meet shared goals.

Team Member Acknowledgement:

My signature below acknowledges that I have received and read my job description, and that I understand the scope, essential job duties, knowledge, skills, and abilities, working environment and physical requirements that apply to my job. I further acknowledge that I can safely and effectively perform the essential job duties, with or without reasonable accommodation, and in accordance with the policies, procedures, expectations, and standards of the company.