Flood/Loan Operations Specialist (Full-Time - Non-Exempt)

ROLE

The Flood/Loan Operations Specialist is responsible for performing administrative tasks necessary to process consumer, commercial, and agricultural loans, as well as following up on existing loans for bank customers. This role includes booking loans in the loan system and providing support to branch loan staff to ensure accurate and timely operations.

ESSENTIAL FUNCTIONS

This position is responsible for the following functions:

Loan Documentation and Reports

• Review, monitor, and track adherence to flood insurance requirements


• Coordinate with loan staff to apply force-placed flood insurance when lacking adequate coverage


• Retrieve all necessary documentation from appropriate sources as required for loan processing


• Ensure all required documentation is received, printed, and ready for loan closing


• Provide proper loan documentation to appropriate loan officers as needed


• Input new and/or updated loan information into database


• Review daily loan reports and follow up with loan staff as needed


• Collaborate with management to communicate and train employees on National Flood Insurance Program (NFIP) and internal flood procedures  

Customer Service

• Demonstrate a commitment to Peoples Bank and Trust’s (PBT) customer service philosophy


• Provide courteous service to loan and deposit customers in person, over the phone, and through email communications

Various other duties as assigned

QUALIFICATIONS
EDUCATION/CERTIFICATION: High School Diploma or equivalent required 
REQUIRED KNOWLEDGE: Full knowledge of loan services offered by PBT, 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 their 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 may occasionally lift and/or move up to 25 pounds (unassisted), as well as stand or sit for long periods of time

WORKING CONDITIONS

General professional office environment with climate control and 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.