Loan Operations Specialist 1

The Bank & Trust•Del Rio, TX

9d•Onsite

About The Position

The Loan Operations Specialist I supports accurate and timely administration of loan operations. The role processes deposit, account, and mortgage verifications; loan denials and withdrawals; loan funding support; loan servicing and account maintenance; advances, payments, payoffs, payment histories, and automatic payment arrangements; paid-loan processing; document quality control; workflow requests; customer support; and designated operational reports. The specialist works with lenders, loan assistants, branch personnel, and other departments while maintaining complete records and following applicable laws, regulations, and Bank policies and procedures. The position is based in Del Rio, Brackettville, Sonora, San Angelo, or Kerrville, Texas. Work is primarily in a professional, climate-controlled office, with regular interaction with internal and external customers. The role involves access to confidential financial and customer information and is subject to Bank security procedures and surveillance. Occasional travel between Bank locations and to off-site meetings or training may be required.

Requirements

High school diploma or equivalent.
At least two years of full-time work experience.
Basic understanding of Bank loan documentation and loan servicing processes.
Basic knowledge of accounting principles.
Strong interpersonal, collaboration, and conflict-resolution skills, with the ability to maintain productive working relationships.
Strong verbal and written communication skills and the ability to clearly convey information to internal and external customers.
Proficiency in computer applications and Microsoft Office, including Teams.
Ability to manage competing priorities, meet deadlines, and complete assignments within established service standards.
Ability to identify issues, review relevant information, and make sound decisions within assigned responsibilities.
Ability to enter information accurately and efficiently.
Strong organizational, prioritization, and recordkeeping skills, with attention to detail.
Credit in good standing.
Ability to use a computer and standard office equipment for prolonged periods while maintaining accuracy and attention to detail.
Ability to sit or stand for extended periods and move throughout the office and between Bank locations as needed.
Ability to communicate effectively with employees and customers in person, by telephone, and through other communication methods.
Ability to use hands and fingers to operate a computer, telephone, and standard office equipment and to handle documents and files.
Ability to occasionally reach, stoop, bend, kneel, and lift or move items weighing up to 50 pounds.

Nice To Haves

Prior banking experience.
Bilingual English/Spanish skills.
Familiarity with Jack Henry SilverLake and loan origination software.
Understanding of lending regulations and compliance requirements.

Responsibilities

Process verification of deposit, verification of account, and verification of mortgage requests accurately and according to established procedures.
Process loan denials and withdrawals according to established procedures.
Support loan funding activities and related operational processes.
Process loan maintenance requests, account updates, advances, payments, payoffs, payment histories, automatic payment arrangements, and other assigned servicing requests.
Process paid loans accurately according to established procedures.
Review loan document images for accuracy and completeness, update applicable tracking reports, and maintain physical and electronic loan records under recordkeeping and retention requirements.
Manage assigned workflow queues and service requests within service standards, coordinating with team members, lenders, loan assistants, branch personnel, and other departments to complete requests and resolve operational issues.
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.
Provide responsive, courteous, and timely service to internal and external customers consistent with E2 practices.
Comply with applicable state and federal laws and regulations and Bank policies and procedures, including Bank Secrecy Act and Anti-Money Laundering requirements.
Assist with periodic mailings, billing notices, and other departmental communications as assigned.
Attend departmental and organizational meetings and serve on Bank committees as assigned.
Perform other assigned duties and support other department functions as needed.