Sharpe Credit Partners
Lending Operations Associate
Sharpe Credit Partners, Delray Beach, Florida, United States, 33483
Position Overview
We are an asset-based specialty finance company focused on providing non-dilutive capital solutions to our borrowers. Our team is committed to delivering exceptional service and operational excellence across every touchpoint of the funding lifecycle, from initial application through portfolio servicing.
The Lending Operations Associate is responsible for the end-to-end operational execution of the lending lifecycle, from client onboarding and documentation preparation through funding execution and portfolio servicing. This role serves as the operational backbone of our lending operations, ensuring accuracy, efficiency, and compliance at every stage of the deal process.
Reports To:
Operations Manager or VP of Operations
Career Path:
This position offers clear progression to Operations Manager or Operations Team Lead roles
This is NOT a general financial operations role.
You will work directly with lending documentation, underwriting teams, and funding processes specific to specialty finance.
Lending Lifecycle Management
Execute full lending lifecycle: client onboarding, underwriting coordination, documentation preparation, funding execution, and portfolio servicing
Prepare, review, and manage loan documentation (loan agreements, promissory notes, security agreements, UCC filings) ensuring 100% accuracy
Lead client onboarding by collecting required documentation (financial statements, bank statements, tax returns, corporate documents)
Track deal progress from application through funding, proactively identifying and resolving bottlenecks
Coordinate seamlessly with underwriting, sales, credit analysis, and finance teams to ensure timely deal execution
Loan Documentation & Compliance
Prepare and finalize loan documents in accordance with credit approval terms and legal requirements
Coordinate document execution, notarization, and witness requirements
File and track UCC financing statements and amendments
Ensure all documentation meets internal quality standards and regulatory compliance requirements
Maintain comprehensive, organized digital filing systems with proper document retention
Underwriting Coordination
Support underwriting team by organizing financial documentation and verification materials
Verify accuracy and completeness of financial information submitted by applicants
Track outstanding conditions and requirements from credit approval
Prepare underwriting summaries and deal status reports for management
Funding Execution
Coordinate funding processes including wire transfers, ACH payments, and check disbursements
Verify all funding conditions are satisfied prior to disbursement
Collaborate with finance team to ensure accurate booking of new loans
Maintain detailed funding logs and transaction records
Data Management & Systems Administration
Enter and maintain accurate loan data in CRM and loan management systems
Maintain data integrity through regular quality checks and systematic updates
Serve as power user of loan origination and portfolio management systems
Generate reports on pipeline status, deal velocity, and operational metrics
Pipeline & Workflow Management
Monitor and update pipeline status, outstanding requirements, and follow-up activities
Proactively manage deal timelines, escalating potential delays to management
Coordinate cross-functional communication to maintain smooth workflow
Track and report on conversion rates and operational efficiency metrics
Process Improvement & Problem Solving
Identify operational pain points and recommend workflow optimization solutions
Create and maintain standard operating procedures for lending processes
Test and provide feedback on new systems or procedural changes
Resolve routine operational issues independently using sound judgment
Required Qualifications Experience
4-6 years of experience in lending operations, loan processing, or credit operations
Direct experience with specialty lending, asset-based lending, commercial lending, merchant cash advance, factoring, or equipment finance STRONGLY PREFERRED
Demonstrated progression in operational responsibility and complexity
Hands‑on experience with loan documentation preparation and review
Technical Skills
Strong proficiency in Microsoft Office Suite, particularly Excel (formulas, pivot tables, VLOOKUP, data manipulation)
Experience with CRM systems (Salesforce, HubSpot, or similar platforms)
Comfortable learning and adapting to loan origination systems and lending platforms
Experience with document management systems and digital filing
Industry Knowledge
Understanding of lending operations, documentation workflows, and funding processes
Familiarity with loan documentation (loan agreements, promissory notes, security agreements)
Knowledge of UCC filing procedures and lien perfection
Basic understanding of credit analysis and underwriting processes
Core Competencies
Exceptional organizational skills with ability to manage multiple priorities and competing deadlines
Meticulous attention to detail and unwavering commitment to accuracy
Strong analytical and problem‑solving abilities with logical, methodical approach
Excellent written and verbal communication skills
Proven ability to thrive in fast‑paced, deadline‑driven environments
Proactive, self‑motivated work style with ability to work independently
High integrity, sound judgment, and absolute commitment to confidentiality
Preferred Qualifications
Experience at alternative lenders, asset‑based lending companies, or specialty finance firms
Knowledge of commercial lending compliance and regulations
Experience with loan origination systems (nCino, Encompass, or similar platforms)
Previous experience in startup or high‑growth lending environments
Bachelor's degree in Finance, Business, or related field (or equivalent experience)
Certification in operations management or lending operations
Compensation & Benefits
Competitive salary range: $75,000 - $100,000 annually (commensurate with lending operations experience)
Performance‑based bonus opportunities
Comprehensive health, dental, and vision insurance
401(k) retirement plan
Generous PTO and paid holidays
Professional development opportunities and clear advancement path
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The Lending Operations Associate is responsible for the end-to-end operational execution of the lending lifecycle, from client onboarding and documentation preparation through funding execution and portfolio servicing. This role serves as the operational backbone of our lending operations, ensuring accuracy, efficiency, and compliance at every stage of the deal process.
Reports To:
Operations Manager or VP of Operations
Career Path:
This position offers clear progression to Operations Manager or Operations Team Lead roles
This is NOT a general financial operations role.
You will work directly with lending documentation, underwriting teams, and funding processes specific to specialty finance.
Lending Lifecycle Management
Execute full lending lifecycle: client onboarding, underwriting coordination, documentation preparation, funding execution, and portfolio servicing
Prepare, review, and manage loan documentation (loan agreements, promissory notes, security agreements, UCC filings) ensuring 100% accuracy
Lead client onboarding by collecting required documentation (financial statements, bank statements, tax returns, corporate documents)
Track deal progress from application through funding, proactively identifying and resolving bottlenecks
Coordinate seamlessly with underwriting, sales, credit analysis, and finance teams to ensure timely deal execution
Loan Documentation & Compliance
Prepare and finalize loan documents in accordance with credit approval terms and legal requirements
Coordinate document execution, notarization, and witness requirements
File and track UCC financing statements and amendments
Ensure all documentation meets internal quality standards and regulatory compliance requirements
Maintain comprehensive, organized digital filing systems with proper document retention
Underwriting Coordination
Support underwriting team by organizing financial documentation and verification materials
Verify accuracy and completeness of financial information submitted by applicants
Track outstanding conditions and requirements from credit approval
Prepare underwriting summaries and deal status reports for management
Funding Execution
Coordinate funding processes including wire transfers, ACH payments, and check disbursements
Verify all funding conditions are satisfied prior to disbursement
Collaborate with finance team to ensure accurate booking of new loans
Maintain detailed funding logs and transaction records
Data Management & Systems Administration
Enter and maintain accurate loan data in CRM and loan management systems
Maintain data integrity through regular quality checks and systematic updates
Serve as power user of loan origination and portfolio management systems
Generate reports on pipeline status, deal velocity, and operational metrics
Pipeline & Workflow Management
Monitor and update pipeline status, outstanding requirements, and follow-up activities
Proactively manage deal timelines, escalating potential delays to management
Coordinate cross-functional communication to maintain smooth workflow
Track and report on conversion rates and operational efficiency metrics
Process Improvement & Problem Solving
Identify operational pain points and recommend workflow optimization solutions
Create and maintain standard operating procedures for lending processes
Test and provide feedback on new systems or procedural changes
Resolve routine operational issues independently using sound judgment
Required Qualifications Experience
4-6 years of experience in lending operations, loan processing, or credit operations
Direct experience with specialty lending, asset-based lending, commercial lending, merchant cash advance, factoring, or equipment finance STRONGLY PREFERRED
Demonstrated progression in operational responsibility and complexity
Hands‑on experience with loan documentation preparation and review
Technical Skills
Strong proficiency in Microsoft Office Suite, particularly Excel (formulas, pivot tables, VLOOKUP, data manipulation)
Experience with CRM systems (Salesforce, HubSpot, or similar platforms)
Comfortable learning and adapting to loan origination systems and lending platforms
Experience with document management systems and digital filing
Industry Knowledge
Understanding of lending operations, documentation workflows, and funding processes
Familiarity with loan documentation (loan agreements, promissory notes, security agreements)
Knowledge of UCC filing procedures and lien perfection
Basic understanding of credit analysis and underwriting processes
Core Competencies
Exceptional organizational skills with ability to manage multiple priorities and competing deadlines
Meticulous attention to detail and unwavering commitment to accuracy
Strong analytical and problem‑solving abilities with logical, methodical approach
Excellent written and verbal communication skills
Proven ability to thrive in fast‑paced, deadline‑driven environments
Proactive, self‑motivated work style with ability to work independently
High integrity, sound judgment, and absolute commitment to confidentiality
Preferred Qualifications
Experience at alternative lenders, asset‑based lending companies, or specialty finance firms
Knowledge of commercial lending compliance and regulations
Experience with loan origination systems (nCino, Encompass, or similar platforms)
Previous experience in startup or high‑growth lending environments
Bachelor's degree in Finance, Business, or related field (or equivalent experience)
Certification in operations management or lending operations
Compensation & Benefits
Competitive salary range: $75,000 - $100,000 annually (commensurate with lending operations experience)
Performance‑based bonus opportunities
Comprehensive health, dental, and vision insurance
401(k) retirement plan
Generous PTO and paid holidays
Professional development opportunities and clear advancement path
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