Loan Servicing Manager (Hands-On / Individual Contributor)

Location: Encinitas or Riverside, CA
Compensation: DOE
Reports To: SVP / Chief Credit Officer
Status: Full-Time, Exempt

Position Overview

This role is with a growing commercial bank nearing $1B in assets, focused on commercial real estate, construction, bridge, C&I, and consumer lending. We are seeking a senior-level Loan Servicing professional to take ownership of day-to-day servicing operations.

While titled “Manager,” this role is currently structured as a hands-on individual contributor. The selected candidate will personally execute loan servicing functions while helping build scalable processes to support continued growth.

As the bank grows, this position has the potential to evolve into a leadership role overseeing loan servicing operations.

Key Responsibilities

Full Loan Servicing Lifecycle (Hands-On Execution)

• Manage the complete loan servicing lifecycle from boarding through payoff

• Process payments, advances, loan modifications, and payoff demands

• Support construction and bridge loan draws

• Maintain accurate tickler tracking and documentation

• Monitor insurance coverage, UCC filings, and collateral requirements

• Ensure accurate loan booking, funding, and system integrity

• Maintain servicing files and respond to borrower inquiries

• Partner with Title, Loan Officers, Credit, Accounting, and Legal on cross-functional workflows

Compliance & Risk Management

• Support internal audits and regulatory examinations

• Ensure collateral position remains compliant with loan documentation

• Maintain data integrity within servicing systems

• Adhere to bank policies, procedures, and regulatory requirements

Process Improvement & Growth Support

• Assess and enhance servicing workflows to improve efficiency and reduce operational risk

• Develop and document scalable procedures and servicing standards

• Identify automation opportunities within FISERV and related systems

• Partner with IT on system configuration improvements

• Implement basic KPIs and reporting standards as the function matures

Cross-Functional Support

• Provide overlap support to Loan Processing when needed

• Assist in maintaining strong borrower and internal relationships

• Contribute to a collaborative, team-first culture in a growth-oriented bank

Ideal Background

• 7+ years of bank or lending operations experience, with strong loan servicing concentration

• Experience supporting CRE and construction lending portfolios

• Strong understanding of collateral perfection, UCCs, insurance tracking, and loan documentation

• Experience preparing for audits and regulatory exams

• Working knowledge of entity structures and state filing requirements

• Strong attention to detail with excellent analytical and organizational skills

• Experience with FISERV or similar core system preferred

• Experience with LaserPro or similar documentation system preferred

Who This Role Is For

• A senior loan servicing professional who enjoys hands-on work

• Someone comfortable owning the function independently

• A detail-oriented operator who understands risk and compliance

• A professional who wants the opportunity to grow into leadership as the bank expands

Growth Opportunity

This role is designed for a high-performing servicing professional who wants visibility and ownership. As the bank continues to grow, there is opportunity for this position to expand into a formal leadership role overseeing loan servicing operations.