Lending Business Analyst

Responsibilities & Qualifications

• Analyze and document loan origination, underwriting, and servicing workflows; capture underwriting rules, eligibility criteria, pricing logic, credit-policy exceptions, and disclosure requirements
• Gather functional and business requirements from stakeholders; conduct interviews and working sessions to validate requirements and maintain traceability across loan lifecycle processes
• Perform gap analysis between current and desired-state processes; identify data-quality issues, control gaps, process inconsistencies, and exception patterns
• Document collections and recovery workflows, including third-party collection agency interactions, legal collections, decision points, and escalation paths
• Analyze servicing processes covering payment processing, account management, delinquency, hardship programs, transfers, reconciliations, and credit-reporting data flows
• Develop current-state and future-state process flows and business requirements documents; support requirements implementation and user acceptance testing
• Work with Legal, Compliance, Operations, Product, and Technology stakeholders to translate regulatory requirements into documented business processes
• Analyze operational data and trends to identify process improvements and support cross-functional coordination on servicing and collections enhancements

Requirements

• 5–8 years of business analysis experience in lending, loan origination, underwriting, servicing, or collections environments
• Strong knowledge of lending regulations:ECOA/Regulation B,TILA/Regulation Z,FCRA/Regulation V,UDAAP/UDAP,SCRA, andFDCPA/Regulation F
• Demonstrated expertise in loan origination, underwriting, payment processing, loan servicing, collections, and recovery management
• Proficiency in process documentation, gap analysis, stakeholder management, and requirements gathering
• Experience analyzing process and data flows, identifying control gaps, and documenting operational workflows
• Strong communication and stakeholder management skills with ability to work across cross-functional teams
• Ability to work independently and manage multiple workstreams in a fast-paced environment