Credit Operations Specialist

The Credit Operations Specialist is responsible for administering construction loan draws, due diligence background checks, and letters of credit. 

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Gather and review all necessary documents to process construction loan draws. 
2. Set up and manage projects in the administration management portal. 
3. Consult with loan officers, loan assistants, and inspectors to create a draw schedule and coordinate inspections. 
4. Order due diligence background check reports on prospective and existing borrowers for new and renewing loans. 
5. Conduct OFAC checks needed for the background check. 
6. Monitor and balance letters of credit, working with other departments to process exceptions and resolve issues. 
7. The ability to work in a constant state of alertness and in a safe manner. 
8. Completes required BSA/AML training and other compliance training as assigned.
9. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

High school or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc., plus 2 years related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Word Processing/Typing

Basic: Alphanumeric Data Entry, Spreadsheet

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

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

 The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

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

ADDITIONAL INFORMATION

Required proficiencies:
- Proficient in the use of computers
- Keen attention to detail
- Ability to multi-task and prioritize
- Ability to work under stringent time constraints
- 6 months of banking experience preferred