Loan Operations – Funding & Flood Compliance Analyst

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.  

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships. 

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO). 

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com. 

Brief Overview of Position

The Loan Operations Funding & Flood Compliance Analyst is responsible for the accurate execution of all commercial loan funding activities and serves as the Bank's primary subject matter expert for flood compliance. This role ensures all funding transactions, money movement activities, and flood-related requirements are completed in accordance with Bank policy and regulatory standards.

The analyst partners with Lending, Credit, Compliance, Legal, Loan Operations, and external vendors to facilitate timely loan closings, maintain portfolio compliance, mitigate risk, and ensure adherence to federal flood insurance regulations throughout the life of the loan.

Responsibilities

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ.  Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.

Commercial Loan Funding

·         Review and validate commercial loan closing packages to ensure all funding conditions and regulatory requirements have been satisfied.

·         Execute and monitor all loan-related money movement activities, including wire transfers, DDA transactions, and GL transfers.

·         Ensure accurate and timely funding of new loans, renewals, modifications, and other closing transactions.

·         Research and resolve funding exceptions, discrepancies, and operational issues.

·         Coordinate with internal and external parties to support successful loan closings and disbursements.

Flood Compliance Administration

·         Serve as the Flood Compliance Subject Matter Expert (SME) and Loan Operations Flood Gatekeeper.

·         Review loan transactions to ensure compliance with federal flood regulations and Bank policy.

·         Conduct flood due diligence during loan origination, renewal, modification, and collateral changes.

·         Review collateral located in Special Flood Hazard Areas (SFHA) and ensure required flood insurance coverage is obtained prior to closing.

• Monitor flood insurance coverage throughout the life of the loan to ensure ongoing compliance and coverage sufficiency

·         Coordinate with borrowers, insurance carriers, and vendors to obtain and maintain required flood documentation.

·         Administer force-placement processes in accordance with regulatory requirements.

·         Research and resolve complex flood compliance and insurance-related issues.

Risk, Compliance & Vendor Management

·         Maintain expertise in flood regulations and communicate regulatory changes impacting the commercial portfolio.

·         Partner with the Bank's flood vendor to ensure service levels, quality standards, and compliance expectations are met.

·         Assist with internal audits, regulatory examinations, and compliance reviews.

·         Develop and deliver training and guidance to lending and operations teams on flood compliance requirements.

·         Identify and implement process improvements that enhance controls, efficiency, and regulatory compliance.

Qualifications

Required

• 3+ years of commercial loan operations experience, including loan funding, servicing, documentation, closing, or collateral administration.
• 3+ years of experience administering commercial flood compliance requirements, including flood insurance review and ongoing monitoring.
• Strong knowledge of federal flood insurance regulations and commercial lending compliance requirements.
• Proven ability to analyze complex issues, exercise sound judgment, and implement effective solutions.
• Strong organizational skills with the ability to manage multiple priorities in a deadline-driven environment.
• Excellent verbal and written communication skills.
• Strong customer service orientation and ability to collaborate across all levels of the organization.

Preferred

• Experience with ACBS, Abrigo, collateral tracking platforms, and document imaging systems.
• Proficiency in Microsoft Excel, Outlook, and Word.
• Experience supporting regulatory examinations, compliance reviews, or audits.

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.