Loan Operations Clerk

Commercial Banking Company; Valdosta (GA); On-site; USD 35,000 - 55,000; Full time

Job summary

Commercial Banking Company is seeking an organized Loan Operations role in Valdosta, GA. The position handles loan processing, document verification, file maintenance and daily operational tasks within the Loan Operations Department.

Responsibilities include loan ticketing, uploading to Silverlake, tracking document exceptions, and managing escrows and appraisals. Requires passable banking knowledge and strong customer service skills to support lenders and customers.

Qualifications

• Requires a high school diploma or equivalent.
• Banking experience preferred in loan operations or processing.
• Knowledge of banking policies, procedures and regulations.
• Excellent interpersonal and customer service skills; good social skills.
• Demonstrates a teamwork attitude with a focus on protecting the bank.
• Ability to work accurately and efficiently under stress.

Responsibilities

• Complete the loan process including uploading loans to Silverlake, writing loan tickets, preparing files, and verifying documents.
• Process loan requests, write tickets, pull flood data, verify lender information, book loans and maintain files.
• Track, receive and file document exceptions in loan file and Synergy.
• Track and pay escrow items such as property insurance, taxes and annual statements.
• Maintain loan files and secure documents at day end; balance related GL accounts.

Skills

Attention to detail

Customer service

Teamwork

Multitasking

Organizational skills

Computer proficiency

Effective communication

Work well under pressure

Education

High school diploma or equivalent

Tools

Silverlake

Synergy

Word processing

Spreadsheet applications

Job description

GENERAL DESCRIPTION

Performs various duties in the Loan Operations Department.

RESPONSIBILITIES

• Responsible for completing the loan process, which includes but not limited to: uploading all loan types to Silverlake; writing up loan tickets; preparing loan files; verifying documents given by processor; and filing loan documents.


• Responsible for processing all loan requests, which includes but not limited to: writing up loan tickets; pulling flood data; verifying information given by lender; booking loans; and maintaining loan files.


• Responsible for tracking, receiving, and filing document exceptions to the loan file & Synergy.


• Responsible for tracking and paying all escrow items to include property insurance, taxes & annual statements.


• Maintains knowledge of bank policies, procedures, and operational processes.


• Maintains the loan files; ensure proper filing of documents and files are properly secured at the end of the day.


• Balance various GL accounts including Loans in Process.


• Process daily mail and track insurance accordingly on Silverlake tracking system.


• Responsible for mailing and filing UCC's and maintain tracking on system.


• Apply for titles to ensure Bank's lien and file necessary documentation.


• Perform daily operational duties, answer customer calls, and perform loan research projects.


• Assist in Operations Department with various tasks including exception management, research, statements, and customer service.


• Assists with preparing and balancing participation loans, funding, and distribution of payments.


• Prepares and handles all customer credit disputes and E-Oscar transmission.


• Responsible for organizing, scanning, indexing and reviewing all loan documents into Synergy.


• Reviews monthly query reports for loans not properly coded.


• Order Appraisals and maintain appraisal spreadsheet.


• Maintain Loan Vault-loan files and filing documents.


• Perform various tasks as assigned by supervisor or lending officer.


• Track Real Estate insurance on loans over $1 Million.


• Distribute loan operations mail.


• Responsible for balancing construction loans, making draws, updating construction draw spreadsheet, and maintaining construction draw files.

REQUIRED SKILLS, EXPERIENCE, & EDUCATION

• High school diploma or the equivalent required


• Prior banking experience, preferable in loan operations and/or loan processing


• Knowledge of banking policies, procedures, and regulations


• Excellent interpersonal and customer service skills; good social skills


• Demonstrates a \"team\" attitude toward the bank and coworkers with a constant focus on improving/protecting the bank


• Possesses an attitude of cooperation and a continual motivation to learn


• Ability to demonstrate high levels of accuracy and efficiency


• Work well under stress


• Good organizational skills and the ability to multitask efficiently


• Proficiency with computers; good technical skills; working knowledge in word processing and spreadsheet applications desired


• Maintains a neat, well-groomed, professional appearance


• Maintains a clean work area


• Excellent written and verbal communication skills


• Ability to work well in operations setting; self-motivated


• Punctual & reliable

All applicants must be able to pass the following screens:

• Background


• Credit


• Drug Screen