Loan Operations Manager

The Loan Operations Manager leads the teams that take a loan from approved to booked to service across the Bank’s mortgage, consumer, and commercial portfolios. This leader owns the accuracy, speed, and compliance of closing, documentation, funding, boarding, servicing, and post-closing quality control, and serves as the operational partner to our lenders, credit officers, and branch teams in the St. Augustine and Jacksonville markets.

We are looking for a hands‑on leader who keeps the work moving, coach’s people well, and treats a clean file and a happy borrower as the same goal.

• Bachelor’s degree in business, finance, or a related field, or equivalent experience.
• Five or more years of loan operations experience in a bank or credit union, including mortgage and commercial or consumer lending.
• Two or more years leading or supervising a team.
• Working knowledge of TRID, RESPA, Regulation Z, HMDA, ECOA, flood, and BSA requirements.
• Proficiency with a core banking platform, a loan origination system, and Microsoft Office.
• Experience in the Northeast Florida market preferred.
• Experience with secondary market delivery, SBA, or construction lending preferred.
• Certifications such as CMB, CRCM, or similar preferred.
• Clear, friendly communicator who is comfortable with lenders, borrowers, and regulators alike.
• Detail oriented, organized, and steady under deadline pressure.
• Strong coach who develops people and builds a team that owns its results.
• Sound judgment on exceptions, with a habit of escalating early and documenting well.

• Mortgage Operations
  • Oversee processing, underwriting support, closing, funding, and post‑closing for conventional, FHA, VA, and portfolio mortgage products.
  • Manage secondary market delivery, investor conditions, and file readiness, including pipeline and lock monitoring.
  • Ensure timely and accurate TRID disclosures, escrow setup, flood and insurance tracking, and HMDA data integrity.
• Consumer Lending Operations
  • Direct documentation, funding, and boarding for auto, personal, home equity, and lines of credit.
  • Maintain turnaround standards for indirect and direct consumer loans and resolve exceptions quickly.
  • Monitor adverse action, privacy, and disclosure requirements to protect fair lending compliance.
• Commercial Lending Operations
  • Supervise commercial loan documentation, closing coordination, collateral perfection, and loan boarding.
  • Track insurance, UCC filings, covenants, financial reporting requirements, and exception reports.
  • Partner with relationship managers and credit administration on renewals, modifications, and participations.
• Controls, Quality, and Compliance
  • Perform and oversee quality control reviews and drive timely correction of file and documentation exceptions.
  • Support regulatory exams and internal and external audits with accurate reporting and file production.
  • Maintain procedures and workflows that align with FDIC, FFIEC, and Florida banking requirements, and elevate risk early.
  • Reconcile loan system activity to the general ledger and resolve variances.
• Leadership and Service
  • Hire, train, schedule, coach, and evaluate loan operations staff, and build cross training across all three loan lines.
  • Set performance goals, track turnaround times and error rates, and report results to senior leadership.
  • Lead process improvement and core system or automation projects that remove steps and reduce rework.
  • Serve as the escalation point for borrowers, lenders, and branch partners, with a calm and solution focused approach.

• A fast pace. We’ve grown exponentially and new team members continue to join our DLP family.
• A leadership team that trusts each other, communicates effectively, and…