Loan Operations Specialist 1

The Bank & Trust•Sonora, TX

10d•Onsite

About The Position

The Loan Operations Specialist I supports the accurate and timely administration of loan operations. The role processes deposit, account, and mortgage verifications; loan 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 Specialist 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. The position is based at one of the listed Texas locations: Del Rio, Brackettville, Sonora, San Angelo, or Kerrville. Work is primarily performed in a professional, climate-controlled office environment using standard office equipment. The role includes regular interaction with internal and external customers, access to confidential financial and customer information, and occasional travel between Bank locations or to off-site meetings or training.

Requirements

High school diploma or equivalent.
Minimum of 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, with 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 the scope of assigned responsibilities.
Ability to enter information accurately and efficiently.
Highly organized and detail-oriented, with strong prioritization and recordkeeping skills.
Credit in good standing.

Nice To Haves

Prior banking experience.
Bilingual English/Spanish language 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 accurately and 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 and according to established procedures.
Review loan document images for accuracy and completeness, update applicable tracking reports, and maintain physical and electronic loan records in accordance with recordkeeping and retention requirements.
Manage assigned workflow queues and service requests within established service standards; coordinate 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 duties as assigned and support other department functions as needed.