Loan Payment Processing Specialist

Origin Bank; Ruston (LA); On-site; USD 42,000 - 60,000; Full time

Job summary

Origin Bank is seeking a Payments Processor to handle daily payment processing for consumer, commercial and mortgage loans. You will manage PayDirect, Western Union, and card payments, ensure regulatory compliance, and assist with loan payoffs and ACH setup.

The role requires banking experience, attention to detail, and strong customer service skills, with potential collaboration across departments to maintain accurate postings. On-site bank environment in Ruston, LA.

Qualifications

• Minimum five years banking experience, loan-related preferred.
• High school diploma or GED required.
• IBS Core System experience and notary license helpful.

Responsibilities

• Process payments daily, including consumer, commercial and mortgage payments.
• Handle PayDirect, Western Union, and credit card payments processing.
• Provide payoff quotes and process mortgage payoffs.
• Monitor and post loan participations and ACH set up/maintenance.
• Assist with customer service calls and special projects.

Skills

Customer service

Banking experience

Attention to detail

Education

High school diploma or GED

IBS Core System experience

Notary license (helpful)

Tools

IBS Core System

Job description

At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.

Job Description

Responsible for processing payments daily in a timely manner which could include consumer, commercial and mortgage loan payments (both in-house and serviced); the settlement of and processing of payments received via PayDirect, Western Union, and credit card payments; clearing unposted and reject payments; monitoring and processing participated loans (both funding proceeds and payments); providing payoff quotes and processing payoffs for mortgage loans; and ACH payment set up and monitoring by performing the following duties.

Duties and Responsibilities

• Processes payments that are received in the daily mail, ensuring they are credit the date received.
• Processes and balances payments that are made through PayDirect; including processing return items.
• Ensures payments are processed according to regulatory and investor guidelines.
• Works Unapplied Payments according to the processing schedule.
• Quotes mortgage payoffs and sends those quotes out appropriately.
• Processes mortgage payoffs, ensuring they are processed the day received or returning funds when incorrect.
• Processes and balances mortgage payments received through Western Union.
• Processes and balances loan payments paid via credit card.
• Processes mortgage payment reversals and re-applications requested by the customer or Investor Accounting staff.
• Processes the ACH set up requests; preforms ACH maintenance as needed; and processes ACH returns
• Monitors loan participations are properly monitored; including booking, posting draws and payments, and monitoring correspondence with participating banks.
• Assists with customer service calls as needed (both internal and external calls).
• Assists the Payment Processing Supervisor with special projects as needed.
• Assists the Payment Processing Supervisor in working with Compliance Department to update procedures due to changes to ensure the Bank is in compliance with new regulations as applicable.
• Assist the Payment Processing Supervisor in working with Mortgage Investor Accounting to set up new procedures to be in compliance with new Investor reporting requirements as applicable.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty 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 the essential functions.

Education and/or Experience

High school diploma or general education degree (GED); minimum five years banking experience (loan related experience preferred); working knowledge of accounting; IBS Core System experience and notary license helpful.

Physical Demands

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners. The role requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions.

Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. Expect a fast-paced, supportive atmosphere where your ideas are heard, and your contributions make an impact. This role may occasionally require travel.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Our Hiring Process

The following pre-employment screenings will be completed after a conditional offer of employment has been accepted:

• Criminal Background check
• Credit check
• Fingerprint check
• Drug Screen
• OFAC check
• Reference check
• Employment verification
• Education verification

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights