Senior Loan Analyst - Remote

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.

The Senior Loan Analyst, Loan Accounting role is responsible for supporting complex Commercial and Syndicated loan structures by ensuring accurate loan accounting, system setup, and transaction processing throughout the loan lifecycle. This role partners closely with internal teams to validate loan documentation, maintain data integrity, resolve exceptions, support audits, and drive process improvements across Commercial and Syndicated lending operations.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities:

• Perform advanced loan accounting functions for complex Commercial and Syndicated loan structures, including multi lender allocations, rate sets, participations, and collateral monitoring
• Ensure accurate and timely processing of all Commercial and Syndicated loan transactions, including fundings, draws, paydowns, rate changes, fees, and amortization
• Coordinate the end to end funding process for assigned deals, ensuring all conditions are met and disbursements are executed accurately and on schedule
• Review credit agreements, amendments, and syndication documents to validate system setup, covenant requirements, rate mechanics, waterfall structures, and lender share allocations
• Maintain data integrity within the loan system (LTV, risk codes, collateral types, credit line codes, lender percentages, global rate index setup, etc)
• Conduct periodic system maintenance, including updates to syndicated rate indexes, margin grids, and coordination of global index changes
• Identify discrepancies or exceptions in loan accounting activity and perform timely resolution, escalating risks when necessary
• Prepare detailed reconciliations, reporting, and analytics related to Commercial and Syndicated loan portfolios for management review
• Support audits and regulatory examinations by providing documentation, explanations, and transaction detail specific to Commercial and Syndicated lending
• Collaborate with internal partners (Compliance, Risk, Finance, Operations) to ensure adherence to regulatory requirements and internal controls
• Recommend and support process improvements to enhance accuracy, reduce risk, and increase efficiency within Commercial and Syndicated loan workflows
• Participate in system enhancements by providing requirements, validating test results, and supporting system implementations that impact loan accounting
• Support special projects related to complex Commercial or Syndicated transactions, portfolio changes, and operational improvements
• Perform other duties as assigned

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

• 3+ years of experience in Commercial loan operations or loan accounting, with exposure to Syndicated and Participated loans
• Experience in banking or financial services supporting Commercial credit
• Solid knowledge of Commercial loan documentation, including credit agreements, amendments, and UCC filings
• Solid understanding of loan accounting principles, system setup, and regulatory requirements
• Proficiency with Microsoft Office and loan servicing/accounting systems
• Proven solid analytical skills, accuracy, and attention to detail
• Proven effective written and verbal communication skills for working with internal teams and external lending partners
• Demonstrated ability to support process improvements and adapt in a fast paced environment
• Willing or ability to travel up to 10%

Preferred Qualifications:

• Healthcare Industry experience
• Experience of Commercial & Consumer Loan Operations
• Experience with SQL or Power BI
• Knowledge of standard commercial loan and lease documentation requirements for various commercial loan types (Real Estate, SBA, and Asset Based loans)
• Familiarity with Commercial & Consumer lending regulatory and compliance components
• Knowledge of the necessary documentation and procedures to secure and perfect the bank's collateral

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.