General Responsibilities:

Responsible for performing a variety of daily loan servicing duties associated with all commercial, consumer, and real estate loans; coordinating work within the department, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information; assisting the immediate supervisor with administrative tasks to support department operations; providing backup for Loan Servicing Supervisor duties.

Essential Duties:

• Performs a variety of daily loan servicing duties associated with all commercial, consumer, and real estate loans of which the following are illustrative:
• Uploads new loans.
• Maintains and upkeeps all loan files (active and inactive).
• Quotes loan payoff and processes payments for all loan types.
• Verifies and corrects un-posted loan payments on a daily basis.
• Performs duties relating to the sale and servicing of loans on the secondary market.
• Performs duties relating to participation loans.
• Coordinates SBA monthly remittance and reporting.
• Investigates customer problems, operational and other issues; resolves in a timely manner to ensure high quality customer service.
• Monitors flood insurance.
• Performs UCC tracking.
• Prepares monthly FHLB Reports.
• Maintains credit life and disability insurance premiums; checks and verifies all premium payments for AIG.
• Ensures recording of all mortgages and loan documentation with proper public officials.
• Maintains various daily reports.
• Balances all loan related general ledger accounts.
• Renew/Entend – LOC from Commercial Loan Servicing Specialist.
• Monitors Dealer Track for electronic titles on new loans and paid off loans.
• Check daily maintenance to the system, first and second check.
• Review new loan cards with loan note for system accuracy.
• Process cash items from EIP.
• Balances FHLB.
• Knowledge of Fannie, Freddie on secondary market.
• Knowledge of SBA reporting

• Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.

Ancillary Duties:

• Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer.

Peoples Security Bank and Trust Company is an Equal Opportunity Employer

Basic Qualifications:

Education/Training: A high school diploma or equivalent; specialized banking education and training preferred.

Skill(s): Must demonstrate strong communication skills; proficient analytical and mathematics skills; proficient interpersonal relations skills; proficient PC skills; a working knowledge of bank operating policies and procedures which impact loan document services; knowledge of lending policies and procedures.

Experience: A minimum of three (3) years’ experience in related positions normally required.