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
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- High school diploma or GED
- Specialized schooling or on-the-job training in data processing, clerical/administrative work, equipment operation, or a related skill area
- Two years of related experience and/or training, or an equivalent combination of education and experience
- Proficient computer use
- Keen attention to detail
- Ability to multitask and prioritize
- Ability to work under stringent time constraints
- Six months of banking experience
- Intermediate 10-key and word processing/typing skills
- Basic alphanumeric data entry and spreadsheet skills
Centennial Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Centennial Bank and has not been reviewed or approved by Centennial Bank.
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Wellbeing & Lifestyle Benefits — Feedback suggests the package includes resources such as an Employee Assistance Program, financial wellness coaching, and an Employee Assistance Fund. These offerings indicate attention to holistic support beyond core insurance.
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Retirement Support — Feedback suggests a 401(k) with company match is available and commonly referenced as part of the standard package. This provides a foundational vehicle for long‑term savings even if opinions on generosity vary.
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Leave & Time Off Breadth — Feedback suggests paid time off and paid holidays are included as core elements. These baseline leave provisions are consistently presented as part of the offering.
Centennial Bank Insights
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