Loan Operations Specialist I​/II

Loan Operations Specialist I / II

Loan Department

Loan Operations Assistant Manager

Job Grade: F
Status: Full Time, Non‑Exempt
Hours: Regular full‑time 40 hours; additional hours may be required.

Works closely with the loan operations team to create and maintain an accurate and efficient loan servicing environment. Completes assigned tasks independently within established timeframe. Protects the assets of the bank and shareholders' interest by thoroughly reviewing commercial, consumer, and mortgage loan files for accuracy and completeness. Provides excellent customer service experience for both external and internal customers.

• High school diploma or equivalent; associate degree in business, accounting or related field is helpful but not required.
• Minimum of one year of banking experience is preferred.
• Proficient with Microsoft Office Products.
• Experience with Jack Henry core system is preferred.
• Strong focus, attention to detail, strong proven organization skills, self‑starter critical.
• Ability to prioritize multiple demands in high‑pressure environment while maintaining professionalism.
• Ability to think through practices and processes, problem‑solve, and provide resolutions.
• Willingness and ability to own a project; route necessary components to a complete compliant conclusion.
• Excellent interpersonal, written, and verbal communication skills.

• Answer external and internal customer telephone, email, and online inquiries concerning loan questions and concerns and take appropriate action.
  • Process loan payments and transfers.
  • Process participation payments and advances.
  • Prepare payoff quotes and process payoff payments.
  • Process loan line of credit advances.
  • Perform and review simple loan maintenance.
  • Perform loan research.
• Imaging and indexing responsibilities for the Loan Department. Ensure loan documentation has been imaged and indexed appropriately.
• File and maintain physical loan documents in the appropriate manner ensuring proper safeguarding of those items.
• Retain and destroy physical documentation in accordance with destruction guidelines.
• Sort mail and deliver documents for recording to courthouse.
• Process paid loans, mortgage/collateral releases, filings, and potential over payment checks to borrowers after loan is paid in full.
• Process, track, and maintain hazard insurance exception lists in accordance with creditor's placed insurance and impairment programs.
• Train, assist and relieve co‑workers as needed.
• Maintain a working knowledge of government regulatory requirements affecting both consumer and commercial customers and their relationship to loan documentation filing requirements.
• Work with post‑close reviewer to create and clear documentation exceptions detected within the review process.
• Assist lenders, loan assistants, and processors with questions related to their portfolio documentation.
• Track lien interests for expiration and continuation.
• Provide required reports needed by officers, processors, compliance, and other bank personnel.
• Complete training as required on BSA and other compliance policies and procedures.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Other duties and responsibilities as assigned.

• Computer Skills – Strong working knowledge of computer functions. Proficient in keyboarding and Microsoft Office.
• Initiative – Takes proactive steps to accomplish tasks without specific direction. Seeks out new learning opportunities and maintains sound judgment.
• Follow‑Up – Completes assignments and tasks willingly, promptly, and efficiently. Responds with a sense of urgency to requests from customers, co‑workers, and supervisor.
• Communication Skills – Relates positively and professionally to customers, staff, co‑workers, and supervisors. Expresses thoughts clearly in written and oral form.
• Interpersonal Relationship Skills – Works well with and along co‑workers conveying thoughts, actions, and feedback in a positive manner and displays willingness to cooperate.
• Time‑Management – Consistently displays a sense of urgency in completing…