Job Description

If you are looking for a great place to work, and reach your potential, look to Peoples Security Bank & Trust.

We continue to grow and are always looking for the right people to join our team.

Our Commercial Loan Closers are responsible for performing a variety of duties to support the loan documentation and loan processing function for commercial/small business, residential, and consumer loan transactions; coordinating work within the department, as well as with other departments; and responding to inquiries or requests for information. This position will be located in either our Bethlehem, PA location or in our Moosic, PA location.

Essential Duties:

Performs a variety of duties to support the loan documentation and loan processing function as follows:

• Verifies all loan information pertaining to small business and commercial lending in preparation for final loan documentation for closing.
• Verifies loan approvals to loan policies.
• Reviews loan applications to verify that application data is complete and meets establishment standards, including full execution by all parties and Bank.
• Reviews document preparation folders for completeness and accuracy
• Informs Lenders and administrative support of missing information, documentation and discrepancies.
• Verifies loan to values as appropriate to the transaction at hand and for reporting accuracy.
• Completes and/or follows up on any additional records with regard to the processed loans
• Prepares and reviews commercial modification documentation as needed including calculation of adjusted payments.
• Obtains additional needed information through a variety of methods in order to ensure that the proper preliminary documentation has been obtained prior to the preparation of final loan documentation, i.e. articles of incorporation, business agreements, certificate of good standing, appraisals, automated underwriting findings, investment account statements, etc.
• Performs review of attorney-prepared loan documentation for accuracy and informs Lenders of necessary changes, as needed.
• Performs secondary review of loan documentation of other loan closers prior to distribution of loan documents including review of attorney-prepared loan documentation.
• Generates and distributes loan documentation for closings to Lenders and administrative support; reviews HUD Settlements statements and verifies accuracy and funds to close.
• Reviews executed loan documentation to ensure that the proper signatures have been obtained after closing including loans where documentation has been prepared by outside counsel; ensures all the proper documents are included in the final loan files and completes the organization of the permanent loan documentation file.
• Provides support to post-closing loan processor, when necessary, with regards to tracking and preparation of the loan file for imaging and filing
• Processes withdrawn, approved not accepted and declined commercial loans as needed for HMDA reporting purposes including generating Adverse Action Notice for loans declined due to poor credit history

Ancillary Duties:

• Perform 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.

Benefits Offered to Peoples Security Bank Employees

**Our College Tuition Reimbursement Benefit can help you achieve your long-term career and educational goals**

• Medical Plans
• Dental Plan
• Vision Plan
• Life Insurance
• Disability Insurance
• 401(K) Plan
• Paid Time Off
• Paid Holidays
• Paid Volunteer Time Off
• Employee Assistance Program
• Banking Classes
• Internal Advancement Opportunities

Company Overview

Community has and always will be our purpose. We were founded on the principle to be a bank that people can trust. We would not be where we are today without the dedication that our employees have had since we first opened our doors. Our values still hold true to this day and we are making strides to continue to grow with our amazing team.

We believe that operating with a core set of values will be integral to the success of Peoples Security Bank & Trust for our employees, customers, shareholders and communities.

• PEOPLE | Working together for a common good by engaging our customers and communities.
• SERVICE | Consistently deliver a safe, reliable and positive banking experience for our customers.
• BETTER | A commitment to excellence in every interaction.
• TRUST | Integrity, accountability, guidance, and support form the foundation for every customer engagement.

We believe our team is what makes our organization successful. Hearing their stories show a path of growth and enrichment in their careers. Every single team member truly makes a difference within our company and we're grateful for each employee who chooses to work with us.

Peoples Security Bank and Trust Company is an Equal Opportunity Employer

Requirements:

Education/Training: A high school diploma or equivalent required.

Skill(s): Must demonstrate strong communication skills; moderate interpersonal relations skills; proficient PC skills, including Microsoft Word and Excel; working knowledge of loan documentation and requirements for completion. Knowledge of documentation software (LaserPro) a plus.

Experience: A minimum of 2 years' experience in a related position normally required.

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.

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