Centralized Loan Operations Specialist

SUMMARY

The Loan Operations Specialist is responsible for overseeing daily loan operations functions, to ensure timely, accurate processing and exceptional service standards. Acting as a primary point of contact for high-level inquiries, project management, and audit coordination. This role mentors additional Loan Operations team members, by reinforcing superior customer service, meeting time sensitive deadlines while balancing risk management. This position collaborates frequently with branch lending staff and other departments to support loan operations functions.

DUTIES AND RESPONSIBILITIES

ESSENTIAL DUTIES

The following tasks are fundamental to the position and necessary for its successful execution:

• Maintains knowledge of loan products and services and is able to provide enhanced customer service including customer information changes, digital banking support, electronic transfer inquiries, etc.
• Reviews loan data worksheets to ensure information is complete; follows up to obtain missing data; inputs data and generates loan documents.
• Reviews loan documentation for accuracy and compliance with laws, regulations, and the Bank’s lending policies and procedures, before documents are sent to branch for final closing.
• Boards and funds signed loans to the Bank’s core system.
• Electronically perfects collateral documents.
• Indexes documents in Bank’s imaging system.
• Services and maintains data on non-accrual loans, charged-off loans, repossessed assets, other real estate owned, participations sold, and ensures investor’s funds are wired as instructed.
• Maintain rate index changes as directed.
• Consistently applies sound decision-making techniques when handling inquiries, approvals, and requests within assigned approval limits.
• Plays a positive role in the development and growth of department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff.
• Adheres to compliance with internal controls and physical security protocols. Consistently demonstrates ethical behavior, upholding the bank’s values, and inspiring the trust of others through personal actions.

OTHER DUTIES

• Represents the Bank in community activities, supporting the institution’s goals and values through external engagement.
• Fosters a positive work environment by upholding the Bank’s values and Equal Employment Opportunity (EEO) standards.
• Assists with special projects or tasks as assigned by management.
• Adheres to internal policies and procedures while meeting deadlines.
• Adheres to time lines and accuracy benchmarks for all tasks.
• Demonstrates exceptional customer service and teamwork.
• Maintains confidentiality and uphold ethical standards.
• Participates in training and development programs as required.
• Performs other duties as assigned.

SUPERVISORY RESPONSIBILITY

The Loan Operations Specialist position has no supervisory responsibilities; however, the incumbent is required to provide leadership, training and support to less experienced lending staff.

ENVIRONMENT AND PHYSICAL REQUIREMENTS

The described work environment and physical demands reflect the conditions and requirements necessary for successfully performing the essential functions of this role. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Standard office setting and may move about freely.
• Activities include reading, writing, typing, speaking listening, and occasional lifting (up to 30 pounds).
• Ability to operate typical office equipment such as telephones, computers, money counters, and scanners.

MENTAL AND INTERPERSONAL DEMANDS

The incumbent must manage multiple concurrent tasks and interruptions while demonstrating strong problem-solving skills.

Mental demands include:

• Engage in customer interactions requiring active listening and clear communication.
• Communicating verbally and in writing with clarity and professionalism.
• Ability to manage multiple concurrent tasks and interruptions.
• Work collaboratively with team members to achieve shared goals.

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• High school diploma or equivalent
• 2 years of related experience and/or training in an office environment
• Knowledge of related state and federal banking compliance regulations, Bank operational policies and procedures, and the Bank's products and services.
• Familiarity with regulatory and compliance requirements related data security and fraud prevention.
• Problem-solving skills, utilizing knowledge of policies and procedures to determine resolution.
• Experience and proficiency using Microsoft 365 and/or Microsoft Office product suite.
• Organizational skills with the ability to set priorities and meet deadlines.
• Ability to work with minimal or no supervision while performing duties.
• Ability to handle confidential and sensitive information with discretion.
• Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others.
• Ability to handle complex problems involving multiple facets and variables in non-standardized situations.

Management reserves the right to change this job description at any time according to business needs.

Job Type: Full-time

Pay: From $15.00 per hour

Expected hours: 40.0 per week

Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Retirement plan
• Tuition reimbursement
• Vision insurance

Physical Setting:

• Office

Work Location: In person

Salary : $15