Loan Operations Officer

Career Details

Full Time Kirby Posted on 2/23/2026

Job title: LOAN OPERATIONS OFFICER

Reports to: SVP/Chief Lending Officer

Department: Loans

FLSA status: exempt

Oversees the management of commercial and consumer lending, loan operations and loan processing staff

• Oversee daily operations of the loan department to ensure timely, accurate, and compliant processing
• Manages staff training, supervision, scheduling, workflow, and performance
• Ensures adherence to organizational policies, dual control standards, and regulatory requirements
• Oversees customer service coordination and interdepartmental communication
• Manages general ledger reconciliations related to the loan department
• Identifies operational issues and implements corrective actions
• Collaborates with IT to maintain and support loan systems (LASERPRO, Fiserv, D+H and others) and resolves system issues
• Ensures timely submission of SBA reports
• Oversees preparation of reports for the Board of Directors and Executive Loan Committee
• Attends management and Executive Loan Committee and Board Risk Committee meetings
• Oversees maintenance of Other Real Estate, repossessed assets, SBA receivables, and insurance files
• Coordinates information gathering and communication with auditors and regulators
• Performs additional duties as assigned by executive management

Day-to-day management of loan operations

Preferred 10 years related experience or equivalent. Demonstrated knowledge of loan operations, internal controls, lending compliance and regulatory issues. Proven ability to collaborate with executive management and regulatory agencies to effectively support sound policies, procedures, and bank lending philosophy. Demonstrated ability to supervise and motivate subordinates. Project management experience and a history of systems conversion preferred.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Critical thinking and reasoning skills, strong decision making and problem-solving skills

• Strong organizational, analytical, and problem-solving skills with the ability to manage priorities and workflows
• High attention to detail and commitment to accuracy and excellence
• Sound judgment with the ability to make timely, well-reasoned decisions
• Excellent written and verbal communication skills; able to communicate effectively across all organizational levels and diverse audiences
• Strong interpersonal skills with the ability to foster teamwork and collaboration
• Self-motivated, independent, and able to multitask, meet critical deadlines, and manage demanding workloads
• Proficient with computers and adaptable to learning and using new software systems
• Solid understanding of bank operations, credit processes, and compliance laws and regulations
• Demonstrated competence in supervising staff and understanding their duties and responsibilities
• Flexible and adaptable, with enthusiasm for working in a fast-changing environment
• Professional, ethical, and committed to always representing the organization positively
• Ability to read, write, speak, and understand the primary language used in the workplace
• Desire to always represent Schertz Bank & Trust in a professional & ethical manner

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision and the ability to focus. While performing the duties of this job, the employee is regularly required to stand, walk and use hands and fingers to finger, handle or feel. The employee is frequently required to sit and reach with hands and arms.

The work environment characteristics are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Full time position with usual working schedule Monday – Friday 8:00 AM – 5:00 PM

• Some overtime may be required
• Must be available & willing to work at another branch if needed
• Professional dress code is required
• Must be able to function in an environment with a moderate noise level

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