Loan Operations Specialist II

Location: Lebanon, TN

Job Summary
The Loan Operations Specialist II verifies the integrity, accuracy, and compliance of loan records by performing post-closing reviews of system data and supporting documentation. This position validates loans are properly booked, collateral is correctly coded and perfected, and required documents are complete, indexed, and compliant with internal policies and regulatory standards. The Loan Operations Specialist II serves as a quality control checkpoint between loan closing and loan servicing, working to mitigate risk, support audit readiness, and maintain operational excellence across the loan lifecycle. This position reports to the Manager, Loan Operations and provides excellent service and support to team members and customers while demonstrating the Company's values and supporting the mission.

Job Duties And Responsibilities
Perform post-closing reviews of new and renewed loan packages, verifying completeness and accuracy of loan records

Review promissory note, credit approval and core system to verify consistency of loan terms

Complete lien perfections including real estate, UCC filings, titles, and stock and CD holds

Enter and clear documentation and collateral exceptions

Verify loan documents are properly imaged and indexed in document management system

Monitor insurance documentation for collateral, partnering with third party vendor to force place insurance as needed

Respond to internal inquiries via phone and ticketing systems regarding documentation and system discrepancies

Assist with internal control documentation and support audit readiness as needed

Collaborate with processors, underwriters, and servicing teams to resolve documentation issues

Support process improvement efforts

Stay abreast of all procedures and processes related to lien perfection, UCC filings, titles and stock and CD holds

Identify and assist with implementation of process improvements

Assist with special projects

Cross train with members of Loan Operations to develop additional knowledge and skills

Maintain professional and technical knowledge by attending educational workshops, and reviewing professional publications

Attend training as requested

Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program

Participate in outside community activities as required

Perform other duties as assigned

Required Qualifications
High school diploma or GED

Associate's degree in finance, business, or a related field preferred

3 years of experience in banking, loan operations, or loan documentation preparation

Familiar with loan processing systems, banking regulations, and compliance standards

Knowledge of banking compliance (e.g., BSA/AML, CIP)

Proficient with loan documentation platforms

Proficient with Microsoft Office and other standard software applications

Strong attention to detail and organization skills

Ability to work independently and collaboratively in a fast-paced environment

Excellent verbal and written communication skills

Excellent interpersonal, critical thinking and problem-solving skills

Customer service orientation and ability to resolve issues effectively

High standards for integrity, honesty, and work ethic

Commitment to service excellence

Demonstrate flexible and efficient time management and ability to prioritize workload

Ability and willingness to work with purpose and a strong sense of urgency

Self-starter, positive and enthusiastic with a desire to exceed expectations

Maintain a professional demeanor at all times, using appropriate levels of confidentiality and discretion

Ability to effectively work in collaboration with others

Willing to grow and be challenged