Immediate Supervisor:  Loan Operations and Servicing Manager

Employment Status:  Full time – Non-Exempt

Salary Range:  $32,000-$38,300

Responsibilities will include, but may not be limited to: 

  • Board all new loans onto FIS Horizon XE, ensuring the accuracy of data transferred.
  • Review newly boarded loans for accuracy in the transfer from Encompass to FIS Horizon XE.
  • Initiate loan activity and reconcile funds movement as instructed by the client in accordance with credit agreements.
  • Reconcile daily funding and payment activity to GL accounts.
  • Paid Loan Processing: Prepare release of cancelled loan documentation, prepare release of various collateral types, prepare loan payoff overages, manage paid loan filing system.
  • Loan Monetary Transactions: process loan payments (P&I, Int & Esc), loan advances, loan pay downs, intra bank monetary transactions, wire transfers, participation payments, ACH and AFT payments, fees (i.e., late charge fee waiver) and nonaccrual/charge-off payments.
  • Provide information as requested by clients, business partners, middle office, or lenders.
  • Maintain margin changes and appropriate communication to participating external banking groups.
  • Monitor exception reports and updating applicable comments.
  • Handle reporting and reconciliation of escrow accounts and prepares escrow analyses.
  • Insurance Portfolio Management: Set up, monitor, and update insurance tickler data, follow up on expired/cancelled/reinstated insurance notifications with Lender, Agent and/or Borrower.
  • Handle Investor Reporting and transferring funds accurately and timely to Investor for escrow, payments, etc.
  • Handles the document collection, balancing, and funding of residential and commercial construction projects.
  • Ordering and gathering all necessary documents from outside sources to complete the loan file. 
  • Review system reports; completing appropriate maintenance and resolution of any errors.
  • Assist with file documentation for internal or external audits as needed.
  • Participate in the success of the organization by developing and maintaining effective working relationships with co-workers; assist Loan Officers and customers in the preparation of loan packages.
  • Manage commitments, uphold organizational values, mission and vision statements with a high level of professionalism and accept responsibility for own actions.
  • Comply with and maintain current knowledge of all department, company and state or federal policies, procedures and regulations and complete all necessary documentation accurately and efficiently.
  • Appropriately protect the confidentiality, security and integrity of the Bank’s systems and information as well as current and/or potential customer’s information.
  • Various other duties assigned as they relate to the Bank’s objectives and related functions and responsibilities of the position.

Knowledge, skills and abilities:

  • Excellent customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.
  • Excellent oral and written communications skills.
  • Detail-oriented, highly organized, and capable of prioritizing tasks effectively.
  • Solid working knowledge of Microsoft Office applications (i.e. Excel, Word and PowerPoint) as well as banking software systems (i.e. Encompass, LaserPro, Sageworks and FIS Horizon XE).
  • Experience with reading and interpreting loan documentation.
  • Knowledge of Investor loans and Investor Reporting.
  • Be familiar with lending and the roles and responsibilities relating to the position from each department of the Bank.
  • Understanding of GLs and use of tickets for debit and credit transactions.
  • Ability to manage concurrent assignments in an effective, efficient, and organized manner.
  • Ability to work independently and partner well within a team environment.
  • Ability to work with minimal supervision while performing duties.
  • Strong analytical, problem solving and proven decision-making skills.
  • Proactive in identifying opportunities for process improvement and driving positive changes.
  • Ability to embrace change and act as a change champion for others.
  • Capability to relate to individuals at all levels as unique situations present themselves.
  • Be sensitive to Bank needs, customer and employee goodwill, and the public image.
  • Ability to work various hours; some evening and weekend hours may be required.
  • Adapt to and thrive on changes with a sense of urgency.
  • Preparedness to make sound decisions; make on-the-spot decisions regarding customer needs; weigh customer satisfaction issues with the Bank’s exposure to loss or fraud and the ability to think through and rationalize decisions.

Benefits along the way...

  • Employee Stock Ownership Plan
  • 401K retirement plan with employer match
  • Opportunities to Support Local Charitable Organization
  • Continuing Education Benefits
  • Professional Development Opportunities
  • Incentive Opportunities
  • Length of Service Awards
  • Paid Holiday, Birthday, Vacation, and Paid Leave for All Workers Days Available
  • Health Plan Options Available, Including Family Vision and Dental Plans
  • Salary is commensurate with training and experience

OSB Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status or any other characteristic appointed by law. More information about applicant rights under federal employment laws are available here. 

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