Community Bankshares, Inc.

Compensation

Full Description

Position Summary: The Loan Operations Specialist is responsible for general loan-related, administrative duties including monetary processing, loan maintenance, loan research, reconciliation of loan accounts, imaging and exceptions handling. The position provides support to multiple areas of the Bank ensuring loan transactions and requests are processed timely and accurately. This is a hybrid position and requires weekly onsite availability. Job Duties/Responsibilities: Timely onboarding, new, renewed, modified, or extended loans ensuring appropriate approvals have been received prior to processing. Process all maintenance requests in a timely manner with supporting documentation and appropriate approvals as applicable. Promptly process all requested monetary transactions (advances, disbursements, payments, wires) with appropriate supporting documentation and approval as applicable. Review and monitor insurance policies and track expiration. Follow up with borrower, agents, or other representative as necessary to obtain active policy confirming applicable loss payee clause and coverages. Set up and update applicable ticklers with active policy information. Image policies to applicable loan file. Review daily reports to ensure maintenance, on-boardings, and transactions were processed accurately; follow up with any corrections or adjustments and document on report. Accurately reconcile all applicable loan accounts. Follow up with outages and work to resolve quickly. Provide timely payoff quotes with appropriate authorization from borrower. Ensure collateral releases are processed timely and overages are returned in accordance with departmental procedures. Establish incoming loan files ensuring all applicable documents are appropriately stored. Image all incoming loan documents and\or supporting documents relative to the loan. Provide high quality service to both internal and external customers ensuring requests are processed with accuracy and timeliness. Daily processes all loan statements and billings. Complete all assigned mandatory and regulatory training within required time frames. Maintain a work area that ensures the safety and confidentiality of all customer records and transactions. Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures Other duties as assigned to assist within the department ensuring efficient and smooth operations. Required Skills/Abilities: Excellent communication (written and verbal) and problem-solving skills. Knowledge of loan processing and servicing functions. Strong attention to detail. Work independently to organize and prioritize tasks, manage time to meet deadlines, analyze requests, understand issues and develop appropriate solutions. Understand and apply statutory and regulatory compliance matters as appropriate for your position. Proficiently utilize a computer and the software applicable to this position. Education and Experience: High School diploma or equivalent preferred. Demonstrated excellence in working with peer teams across organizations. Proficiency in using Microsoft Office Suite and banking software programs and platforms. Physical Demands and Work Environment: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. ____________________________________________________________________ Note: We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship.