HMDA​/Loan Operations Specialist Non-Exempt

Position: HMDA/Loan Operations Specialist (Full-Time - Non-Exempt)

ROLE

The HMDA/Loan Operations Specialist is responsible for the bank’s mortgage data that is collected and reported in accordance with HMDA regulatory requirements.

ESSENTIAL FUNCTIONS

This position is responsible for the following functions:

Loan Documentation and Reports

• Facilitate the collection of HMDA data from mortgage, consumer, and commercial loans
• Collaborate with Compliance Department to ensure accuracy of HMDA LAR
• Prepare and submit annual HMDA LAR
• Verify accuracy of documentation for various loan types
• Provide branch support for questions and account research
• Maintain knowledge of loan policies and procedures
• Coordinate with management to communicate and train employees on HMDA requirements

Customer Service

• Demonstrate a commitment to PBT’s 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: 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 review HMDA data submissions

Experience

Required:

5+ years banking experience preferred; HMDA‑related experience preferred

Skills/Abilities: Attention to detail, strong written and verbal communication skills, effective collaboration and ability to function well within a team setting, self‑motivation, self‑management, ability to consistently follow through on tasks, problem solving, organized, analytical, positive attitude, interpersonal skills, customer service, time management, computer literacy, strong ability to multi‑task, applied leadership, and mentoring/training

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. Regular work outside of normal bank hours as needed.

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 DESCRIPTION S

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.

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