Job Description

Primary Office Location: 4140 East State Street. Hermitage, Pennsylvania. 16148.
Join our team. Make a difference - for us and for your future.
Position Title: Loan Servicing Representative
Business Unit: Operations
Reports To: Supervisor of Loan Operations
Position Overview
The Loan Operations Representative is responsible for managing and correcting loan transactions, processing loan modifications--including SBA loans--and ensuring compliance with all banking regulations. This role involves handling electronic funds transfers, generating reports, maintaining accurate documentation, and providing exceptional support to internal and external customers. The representative collaborates with internal teams to resolve discrepancies, improve loan servicing processes, and uphold the Bank's standards for accuracy and compliance.
Primary Responsibilities

• Perform post-closing reviews of loan documents for non-real estate commercial loans; identify and resolve document exceptions and prepare mortgage and UCC documents for recording.
• Process loan funding entries in accordance with established procedures and timelines to ensure accurate documentation of Bank assets.
• Resolve non-post items promptly and accurately to maintain proper account posting.
• Update system information based on maintenance requests and established procedures to ensure accurate financial reporting and compliance with loan terms.
• Prepare closing documents and modifications for small business and commercial loans, including SBA loans; review requests for compliance with Bank policies and advise lenders or underwriters of deficiencies.
• Book all loan types to the core system while meeting established volume and accuracy standards.
• Execute all aspects of loan servicing, including escrow accounts, remittance and reporting, payment posting for participated loans, and maintenance of SWAP loans, ensuring compliance and timely financial entries.
• File and continue UCC financing statements, process commercial payoffs, and maintain collateral records, including stock certificates.
• Monitor hazard and flood insurance on designated loans to protect collateral; initiate force-placed insurance through third-party vendors as needed.
• Handle electronic funds transfers, generate operational reports, and maintain accurate documentation for audit and compliance purposes.
• Collaborate with internal teams to resolve discrepancies and enhance loan servicing processes.
• Perform other related duties and projects as assigned.

Risk Management and Compliance:
All employees are accountable for identifying, reporting, and managing risks in accordance with F.N.B. Corporation's risk management program. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Qualifications

• Education: High School diploma or GED required
• Experience: Minimum of 1 year in loan operations or a related banking function
• Skills:

• Strong attention to detail and accuracy
• Excellent written and verbal communication skills
• Ability to multitask and meet deadlines in a fast-paced environment
• Proficiency in Microsoft Word and Excel (Intermediate level)
• Ability to use general office equipment and job-related software

Physical Requirements
N/A Position Title: Loan Operations Representative 2
Business Unit: Operations
Reports To: Supervisor of Loan Operations
Position Overview:
This position is primarily responsible for providing timely and accurate service to internal and external customers in support of the lending functions of the Bank.
Primary Responsibilities:
Executes post closing review of loan documents for non-real estate commercial loans, adds or removes document exceptions as discovered or resolved and reviews and packages mortgage and UCC documents for recoding.
Prepares entries required to fund loans based on established procedures and meets set timeline for all funds to correctly document Bank assets.
Resolves non-post items based on established procedures to ensure prompt and accurate posting to the customer's account.
Updates system information in accordance with maintenance requests submitted based on established procedures and knowledge of system functionality to ensure accurate reporting for financial purposes and to maintain the loan in accordance with the note.
Prepares closing documents and modifications for small business and commercial loans and is measured against established volume levels, reviews request for compliance with Bank policy and procedure and advises Lenders or Underwriters of deficiencies.
Books all types of loans to the core system and is measured against established volume levels.
Executes all aspects of loan servicing, including escrow accounts, remittance and reporting, posts payments for participated loans, maintains SWAP loans base on established procedures and defines time lines with all functions meeting compliance requirements, timely recording of financial entries and customer satisfaction.
Files and continues UCC financing statement as collateral, quotes commercial payoffs and maintains a log of stock certificates held as collateral.
Tracks hazard and flood insurance on designated loans to assure collateral is protected and force-places insurance as needed through third party vendor.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
High School or GED
Minimum Years Experience:
1
Special Skills:
Excellent communication skills, both written and verbal
Ability to work and multi-task in a fast paced environment
Detail-oriented
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

Skills Required