Loan Operations - Processor

OakworthTalent; Birmingham (AL); On-site; USD 40,000 - 60,000; Full time

Job summary

OakworthTalent is seeking a full-time Loan Operations Processor in Birmingham, AL. This role involves pre-closing due diligence, gathering documentation, and ensuring complete and proper loan documentation. Ideal candidates will demonstrate attention to detail and experience in banking systems.

The position offers an opportunity to be part of a dedicated team that values professionalism and work ethic. Candidates with an Associate's degree or equivalent experience are preferred.

Qualifications

• Associate’s degree or three to five years of related experience or training.
• Experience in various banking systems is highly preferred.
• Attention to detail is critical.

Responsibilities

• Responsible for pre‑closing due diligence and gathering supporting documentation.
• Prepare documents for disclosure and ensure proper documentation.
• Support loan-related tasks for the bank’s entire loan portfolio.

Skills

Attention to detail

Experience with banking systems (Horizon, FLO, FCM/ImageCentre)

Proficiency in Microsoft Office suite

Education

Associate's degree or equivalent experience

Job description

Job Details

Job Location: Central Alabama - Birmingham, AL 35209

Position Type: Full Time

Education Level: 2 Year Degree Preferred

Travel Percentage: None

Job Shift: Day

Job Category: Operations

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time role for Loan Operations, Processor that will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).

Responsibilities and Duties

This role is directly responsible for the pre‑closing due diligence, gathering of supporting documentation, and preparing documents for disclosure requirements, new loan requests, or modification of existing loans. Daily administration of all loans and related bank accounts. Acts as primary support for all loan‑related tasks for the bank’s entire loan portfolio according to regulatory compliance, state law, and bank policy to mitigate risk, perfect liens, and ensure complete and proper documentation is in place.

Key Roles/Responsibilities

• Perform Due Diligence and Loan Processing.
• Prepare documents with attention to detail, and additional review prior to sending for closing to ensure minimal mistakes mitigating risk and client impact.
• Follow the loan process to ensure safety & soundness by lien perfection & properly documented transactions.
• Loan Support for the bank; collaborating with Client Advisors on upcoming transactions, timing – managing client expectations.
• Efficiency & streamlining our processes – always looking for ways to improve & reduce duplicated efforts.
• On‑going training and sharing with fellow associates to ensure we are up to date on current items and processes.

Responsibility Details

• For all loan requests: Pre‑closing due diligence and gathering of supporting documentation for disclosure requirements, new loan requests, or modification of existing loans. Post‑closing disbursement for purchase money transactions.
• Daily routine includes supporting documentation for all incoming loans, letters of credit, and subordination – order and review; review of attorney‑prepared documents prior to closing based on the approval for accuracy and completeness; review of organizational documents to ensure proper legal naming and signer requirements; responsible for ensuring consumer regulatory timing requirements are being met as applicable. Supports the lending staff in all loan‑related questions and/or issues.

Qualifications and Skills

• Associate’s degree or three to five years of related experience or training; or equivalent combination of education and experience
• Attention to detail
• Successful experience working in various banking systems such as Horizon, FLO (Fidelity Loan Origination), FCM/ImageCentre, as well as a CRM (Client Relationship Management) system is highly preferred
• Proficiency in Microsoft Office suite is required

Equal Employment Opportunity

Oakworth is committed to a policy of equal employment opportunity for all associates and applicants in accordance with applicable federal, state, and local law.