HMDA/Loan Operations Specialist

The HMDA/Loan Operations Specialist is responsible for the bank’s mortgage data that is collected and reported in accordance with HMDA regulatory requirements. This position also works to complete administrative tasks necessary to process and book consumer, commercial, and agricultural loan types.

ESSENTIAL FUNCTIONS
This position is responsible for the following functions:

Loan Documentation and Reports
•Facilitates the collection of HMDA data from mortgage, consumer, and commercial loans
•Collaborates with lenders and loan staff to obtain proper documentation and ensure files are complete
•Works with Compliance Department to ensure accuracy of HMDA LAR
•Prepares and submit annual HMDA LAR
•Prepares documentation for various loan types
•Books new loans, renewals, and modifications
•Provides branch support for questions and account research
•Maintains knowledge of loan policies and procedures
•Performs maintenance functions for current loans in database

Customer Service
•Demonstrates a commitment to PBT’s customer service philosophy
•Provides courteous service to loan and deposit customers in person, over the phone, and through email communications

Various other responsibilities as assigned by supervisor

QUALIFICATIONS
EDUCATION/CERTIFICATION: High School Diploma or equivalent required
REQUIRED KNOWLEDGE: Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to loan services provided, knowledge of reports required to maintain and track outstanding loans
EXPERIENCE REQUIRED: 2+ years banking experience preferred
SKILLS/ABILITIES: Attention to detail, strong written and verbal communication skills, self-motivation, self-management, ability to consistently follow through on tasks, problem-solving, organized, analytical, interpersonal, customer relationship building, time management, computer literacy, strong ability to multi-task

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
TALKING: Ability to speak effectively and communicate clearly
AVERAGE HEARING: Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
REPETITIVE MOTION: The employee is regularly required to type throughout the day
FINGER DEXTERITY: The employee is regularly required to use hands to type and maneuver a mouse
AVERAGE VISION: Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
PHYSICAL STRENGTH: The employee must occasionally lift and/or move up to 20 pounds (unassisted) as well as stand, sit, bend, kneel, squat, and walk for long periods of time

WORKING CONDITIONS
General professional office environment with climate control. Adequate lighting. Occasional additional hours outside of regular bank service hours to complete tasks.

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization.
MATHEMATICS ABILITY: Strong numeric capabilities; Ability to add, subtract, multiply and divide in all units of measure using whole numbers and common fractions.
LANGUAGE ABILITY: Ability to read, analyze, and interpret documents. Ability to communicate clearly.

INTENT AND FUNCTION OF JOB DESCRIPTIONS
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.