Loan Operations Specialist

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Credit - Non-Officer Clerical Del Rio Operations Del Rio, TX, US

Position Title:
Loan Operations Specialist I

Location:Del Rio, Brackettville, Sonora, San Angelo, Kerrville, Texas

Employment Type:Full-Time Regular

Medical, Dental, Life, Supplemental, 401(k), Education Reimbursement, Employee Assistance Program

FLSA Status:Non-Exempt

Reports to:Loan Operations Manager

The Loan Operations Specialist I supports the accurate and timely administration of loan operations. Responsibilities include processing deposit, account, and mortgage verifications; denials and withdrawals; loan funding support; account maintenance; advances, payments, payoffs, and automatic payments; paid-loan processing; document quality control; workflow management; customer support; and designated operational reports. The position works closely with lenders, loan assistants, branch personnel, and other departments while maintaining complete records and complying with applicable laws, regulations, and Bank policies and procedures.

• Verification Requests:Process verification of deposit, verification of account, and verification of mortgage requests accurately and within established procedures.
• Denials and Withdrawals:Process loan denials and withdrawals accurately and in accordance with established procedures.
• Loan Funding Support:Support loan funding activities and related operational processes.
• Loan Servicing and Maintenance:Process loan maintenance requests, account updates, advances, payments, payoffs, payment histories, automatic payment arrangements, and other assigned servicing requests.
• Paid Loan Processing:Process paid loans accurately and in accordance with established procedures.
• Document Quality Control and Recordkeeping:Review loan document images for accuracy and completeness, update applicable tracking reports, and maintain physical and electronic loan records in accordance with established recordkeeping and retention requirements.
• Workflow Management and
  
  Collaboration:
  
  Manage assigned workflow queues and service requests within established service standards, coordinating with team members, lenders, loan assistants, branch personnel, and other departments to complete requests and resolve operational issues.
• Report Processing:Review and process designated operational reports, including Zero Balance Close Reports, Loans Coded Not to Pay Off with Zero Balance at Maturity, Exception Item Reports, and Partial Pay Reports.
• Customer Service:Deliver outstanding customer service consistent with E2 practices by ensuring interactions with internal and external customers are responsive, courteous, and timely.
• Compliance Adherence:Comply with applicable state and federal laws and regulations and all Bank policies and procedures, including Bank Secrecy Act and Anti-Money Laundering requirements.

• Mailings and Notices: Assist with periodic mailings, billing notices, and other departmental communications as assigned.
• Meetings and Committees: Attend departmental and organizational meetings and serve on Bank committees as assigned.
• Additional Duties:Perform other duties as assigned and provide support for other department functions as needed.

• Education:High school diploma or equivalent.
• Experience:Minimum of two years of full-time work experience.
• Loan Knowledge:Basic understanding of Bank loan documentation and loan servicing processes.
• Accounting Knowledge: Basic knowledge of accounting principles.
• Interpersonal
  
  Skills:
  
  Strong interpersonal, collaboration, and conflict-resolution skills, with the ability to maintain productive working relationships.
• Communication
  
  Skills:
  
  Strong verbal and written communication skills, with the ability to clearly convey information to internal and external customers.
• Technical
  
  Skills:
  
  Proficiency in computer applications and Microsoft Office, including Teams.
• Time Management:Ability to manage competing priorities, meet deadlines, and complete assignments within established service standards.
• Problem-Solving
  
  Skills:
  
  Ability to identify issues, review relevant information, and make sound decisions within the scope of assigned responsibilities.
• Typing and Data Entry
  
  Skills:
  
  Ability to enter information accurately and…