Loan Docs & Operations Specialist

Citizens Alliance Bank; Minnesota; Hybrid; USD 38,000 - 52,000; Full time

Job summary

Citizens Alliance Bank is seeking a Loan Admin Clerk to assist in coordinating loan documents for closing consumer, commercial, and real estate loans, ensuring full compliance and quality for funding. The role involves resolving document issues through collaboration with the lending team and improving loan operations policies.

The position also handles customer inquiries, daily transactions, and maintains loan documentation files while meeting customer service goals and corporate standards.

Qualifications

• Required - High School diploma or GED, etc.
• Required - Continuing Education to maintain job knowledge.
• Preferred - Three to Five years of banking experience.
• Preferred - Three to Five years Administrative experience and/or customer service experience.
• Preferred - Proficiency in Microsoft Suites.

Responsibilities

• Coordinate loan documents for closing of consumer, commercial, and real estate loan products, ensuring compliance and quality.
• Respond to customer inquiries and issues; handle daily transactions as per bank policies.
• Maintain and organize loan documentation files and process payments.
• Collaborate with Loan Officers and customers to resolve issues efficiently.
• Analyze credit tracking reports and perform credit/flood checks as part of loan administration.

Skills

Customer service

Education

High School diploma or GED

Continuing Education to maintain job knowledge

Tools

Microsoft Office

Job description

Description

Position Summary:

This position will assist in coordinating loan documents for the closing of consumer, commercial, and real estate loan products to ensure full compliance and quality of loan documentation for funding. The Loan Admin Clerk will resolve loan documentation issues through collaboration with the lending team. This position will problem solve and process improvements in order to maintain and continuously improve loan operations policy, procedure, and performance.

The Loan Admin Clerk will receive calls and respond to customer inquiries and concerns; they will handle daily transactions and questions in accordance with Bank policies and procedures.

The Loan Administration Clerk position is expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the overall goals of the organization.

The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.

Essential Functions:

To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

1. Handle customer account transactions which may include verifying incoming cash, accurately dispersing cash, accepting various deposits and payment and cashing checks.
2. Assist to provide internal approvals for the implementation of all new loans and changes to existing loans.
3. Act as liaison with all customers regarding loan administration.
4. Administer everyday work and evaluate all incoming mail, emails, faxes, and process payments.
5. Manage communications between Loan Officers and customers to resolve all customer issues efficiently.
6. Proficiency with the Bank’s Loan Originating System, the Bank’s Core Operating System, Excel, and Word.
7. Assist Loan officers with Consumer, Real Estate, Agriculture, and Commercial Lending per their request.
8. Prepare Loan documents for all lending functions.
9. Perform day-to-day loan maintenance.
10. Maintain and organize loan documentation files.
11. Analyze credit tracking reports.
12. Perform credit checks and flood checks.
13. Create loan comments.
14. Work closely with internal and external customers to meet their needs.
15. Ability to break down complex problems and arrive at the right solution.
16. Ability to architect and drive change by enlisting support of management
17. Maintain excellent written and verbal communication skills.
18. Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and lending.
19. Ability to prioritize workload.
20. Assist co-workers as needed.
21. This position requires a valid Driver’s License.
22. All employees are expected to exemplify and follow our core values.
23. Regular attendance and punctuality when reporting to work.
24. Travel for trade and industry schools and seminars as needed.
25. This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes.
26. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
27. Perform other duties as assigned and requested.

Core Values:

Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.

Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.

Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.

Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.

Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.

Requirements

Education and Experience:

Required - High School diploma or GED, Etc.

Required - Continuing Education to maintain job knowledge.

Preferred – Three to Five years of banking experience.

Preferred - Three to Five years Administrative experience and/or customer service experience.

Preferred - Proficiency in Microsoft Suites.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.