The Operational Integrity and Risk Control Analyst plays a critical role in safeguarding the accuracy, compliance, and data integrity of commercial loan processing. This position ensures operational excellence by conducting detailed quality control reviews on documentation, invoicing, client requests, and collateral, mitigating both operational and regulatory risk. The Analyst partners with cross-functional teams to identify defects, drive corrective actions, and support continuous process improvement. Additionally, this role provides strategic support to Loan Operations Leadership on projects, implementations, and process enhancements—ultimately strengthening client confidence through accurate and compliant loan servicing.
Primary Functions of the Position:
- Perform Quality Reviews: Validate documentation completeness, accuracy, and compliance for new loan originations, modifications, and renewals. Confirm loan terms (rate, index, spread, amortization, maturity, fees) against credit approvals and executed documents.
- Collateral & Insurance Oversight: Ensure collateral perfection, lien priority, and proper insurance coverage; manage exception tracking setup.
- Issue Resolution: Address complex loan issues requiring interpretation of policies, guidelines, and processes.
- Project & Initiative Support: Assist leadership with strategic initiatives, system implementations, and process improvement projects.
- Client & Internal Communication: Respond to inquiries promptly and professionally, following established procedures.
- Fee Management: Oversee manual fee invoicing for Letters of Credit and Commitment Unused Fees, ensuring accuracy and timeliness.
- Collateral Release Administration: Manage the release of all collateral—including real estate—upon loan payoff, in accordance with operational standards.
- Stakeholder Collaboration: Work closely with internal and external partners to resolve issues and ensure smooth operations.
Education and Experience Requirements:
- Bachelor’s Degree or equivalent combination of education and experience.
- Minimum 5 years of financial services experience, including at least 2 years in Loan Operations.
- Prior experience in lending operations and quality control, with strong knowledge of regulatory requirements
Essential Skills and Abilities:
- Deep understanding of commercial lending documentation and regulatory requirements (e.g., BSA/AML, Beneficial Ownership, Flood Insurance).
- Familiarity with investment commercial real estate finance across multiple loan and property types.
- Exceptional organizational skills, attention to detail, and ability to thrive in a fast-paced environment with minimal supervision.
- Strong interpersonal and communication skills—effective in person, via email, and over the phone.
- Ability to work independently and collaboratively within a team.
- Comprehensive knowledge of the Bank’s products and services.
- Flexibility to work additional hours during peak periods to meet service levels.
Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance
General Experience – 7 to 12 months
Summary of the Position:
Serves as a critical liaison between business stakeholders and IT teams, leveraging business process knowledge and technical expertise to align technology solutions with organizational goals, working to improve efficiency and the end user experience. Their primary responsibilities involve the entire system development lifecycle, from initial analysis to implementation and support.
Primary Functions of the Position:
- Requirements Gathering and Analysis: Collaborating with key stakeholders of all levels to identify, document, and validate business requirements and user needs.
- Assist various Lines of Business stakeholders with the creation of Business Requirements.
- Process Improvement and Design: Analyzing existing business processes, systems, and data to find areas for improvement and making recommendations for future state new or modified systems, software, or hardware to increase productivity, efficiency and end user experience.
- Solution Design and Specification: Translating business requirements into detailed functional and technical specifications and designs for development teams to use when building solutions.
- Experience working with Waterfall and Agile Methodologies
- Create and maintain comprehensive documentation such as use cases, Agile user stories, process diagrams, and technical specifications
- Ability to Manage an Agile Backlog
- Run Agile ceremonies when required
- Knowledge of APIs, middleware, and integration patterns to connect disparate systems
- Project Management Support: Assist the Project Manager with project planning, managing timelines, tracking progress, and coordinating activities across cross-functional teams ensuring projects are completed on time and within budget.
- Testing and Quality Assurance Support: Assist the QA team and LOB UAT members with UAT scripting, defect management, and answering questions.
- Training and Support: Assist the Business with end-user training for implementations, troubleshoot issues post-implementation and escalate when needed.
Education and Experience Requirements:
- Bachelor’s Degree or Equivalent Experience in Banking Systems Development
- Knowledge of Treasury Management and Commercial Banking and Systems
- Experience in the creation of Current State vs. Future State Diagrams
- Creation of C4 Architectural Diagramming (preferred, not required)
- Design Thinking Experience (preferred, not required)
- Analytical Thinking: Ability to break down complex problems, interpret data, and identify root causes and solutions.
- Technical Proficiency: Familiarity with systems analysis tools, databases, programming concepts, and software development life cycles (SDLC).]
- Communication Skills: Excellent verbal and written communication to clearly convey complex technical information to non-technical stakeholders and vice versa.
- Interpersonal Skills: Building effective relationships with stakeholders, facilitating discussions, and managing expectations.
- Attention to Detail: Ensuring accuracy in requirements, documentation, and system configurations.
- Problem-Solving: Proactive in identifying issues, thinking creatively, and providing feasible solutions.
- Project Management: Ability to prioritize tasks, manage time, and contribute to project planning and execution.
- Adaptability: Remaining flexible and responsive to changing business needs and technology landscapes
Summary:
The ACH Operations Specialist manages the daily processing windows of ACH file processing. In addition, the ACH Operations Specialist manages all processing exceptions, batch and file suspensions, fraud monitoring, new employee training, ongoing client support, and troubleshooting. The ACH Operations Specialist also performs daily General Ledger reconciliation of Check, ACH, Wire, Debit Card, ICS, and other Miscellaneous accounts. The ACH Operations Specialist will maintain a solid understanding of ACH batch and file processing, ACH services and back-office processes, adequate understanding of the NACHA rules, General Ledger accounting. Essential Skills and Abilities:
Essential Functions of the Position:
- Assists the ACH Operations team lead on daily tasks
- Assist in the training of new employees
- Manage ACH file processing windows and exception processing
- Manage transaction fraud monitoring and client communication
- Assist the ACH Team Lead on all Fraud related activity, as it relates to funds retrieval, documentation, and reporting
- Manage General Ledger balancing for Check, ACH, Wire, Debit Card, and ICS
- Responsible for covering late ACH window monitoring when required
- Work closely with BSA, Risk and Compliance, Management, Sales, Deposit Operations, Treasury Operations, and Wire Operations.
Education and Experience Requirements:
- High School diploma or equivalent; post-secondary education preferred
- A minimum of 4 years of experience, including 2 years bank operations experience in an ACH operations role.
Essential Skills and Abilities:
- Demonstrated knowledge of all ACH products, systems, and related processes.
- Thorough understanding of transmission processing for ACH, and understanding file layouts
- Understanding of Fraud monitoring and Fraudulent activity on ACH transactions
- Understanding of General Ledger balancing principals
- Demonstrated ability to communicate effectively with clients, Management, staff, and support vendors.
- Job may require additional hours of work during peak periods to meet service levels.
