Clay Jodzio
San Diego,CA
Summary
Detail-oriented Lending and Banking Analyst with experience in loan servicing, commercial lending operations, borrower financial analysis, and risk management. Skilled in loan boarding, payment processing, financial documentation review, and portfolio monitoring, with a strong focus on accuracy, regulatory compliance, and efficient loan administration. Proven ability to resolve discrepancies, coordinate across teams, and maintain accurate lending records throughout the loan lifecycle.
Overview
5
5
years of professional experience
Work History
Transaction Analyst
Momentous Capital
San Diego, California
09.2023 - Current
- Serviced approximately 1,200 active loan accounts, facilitating efficient transaction processing.
- Processed wire transfers and SBA loan disbursements accurately and on schedule.
- Boarded loans by verifying ACH details and setting up payment transactions.
- Processed payoff requests, calculated interest, completed amortization, and reconciled loans.
- Resolved payment discrepancies with internal teams, ensuring audit-ready records.
- Followed internal procedures and compliance controls, including OFAC requirements.
Banking Analyst – Commercial Real Estate & Specialty Lending (CRESL)
Axos Bank
09.2022 - 03.2023
- Reviewed borrower financials, spread statements, maintained rent rolls, and performed DSCR analysis.
- Analyzed construction draw requests; coordinated with developers to resolve budget issues.
- Monitored loan-document requirements, deliverables, milestones, and assessed portfolio performance.
- Calculated monthly interest and supported accurate, timely borrower invoicing.
- Enhanced lending workflows and developed portfolio-management tools in Salesforce to streamline processes.
- Administered commercial real estate loans, facilitated advances, conducted quarterly reviews, and monitored loan performance.
Banking Analyst – Enterprise Risk Management
Axos Bank
02.2022 - 09.2022
- Conducted vendor risk assessments, monitoring risks, controls, and key risk indicators to enhance risk management processes.
- Reviewed business continuity and disaster recovery plans to ensure alignment with regulatory compliance.
- Maintained vendor risk records in RSA Archer while coordinating with Compliance, Information Security, and BSA to support integrated risk management.
- Performed OFAC searches, documented findings, and supported control and process improvements.
Loan Officer Assistant
Axos Bank
San Diego, CA
08.2021 - 02.2022
- Collected and verified borrower financial documents, ensuring accuracy of pay stubs, W-2s, tax returns, and income records to facilitate loan approval.
- Prepared and organized loan files for underwriting review, confirming documentation accuracy and completeness.
- Followed up with borrowers to secure missing documents and clarify incomplete information for underwriting readiness.
- Coordinated with borrowers and internal lending teams to provide updates, address inquiries, and resolve document discrepancies, enhancing communication flow.
- Updated loan application records, tracked file status, and completed required tasks within loan origination systems.
- Monitored loan requirements and managed follow-up tasks to ensure timely processing and adherence to workflow deadlines.
- Followed internal procedures, documentation standards, and quality control requirements while handling multiple loan files.
- Supported mortgage loan officers throughout loan origination by coordinating application needs and outstanding documentation.
Education
B.S. - Agriculture Business
California Polytechnic State University
San Luis Obispo, CASkills
- Commercial Lending Support
- Loan Processing and Boarding
- Construction Loan Management
- Loan Disbursement Management
- Credit Analysis
- Loan Portfolio Monitoring
- Risk Management
- ACH & Wire Transfer Processing
- Interdepartmental Collaboration
- Stakeholder Communication
- Microsoft Office (including Excel formulas and functions), nCino
Timeline
Transaction Analyst
Momentous Capital
09.2023 - Current
Banking Analyst – Commercial Real Estate & Specialty Lending (CRESL)
Axos Bank
09.2022 - 03.2023
Banking Analyst – Enterprise Risk Management
Axos Bank
02.2022 - 09.2022
Loan Officer Assistant
Axos Bank
08.2021 - 02.2022
B.S. - Agriculture Business
California Polytechnic State University