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Belmont Bank & Trust Company is an Equal Opportunity Employer. We’re committed to investing in our people and creating a customer service-oriented team. We value an environment that is challenging and full of enthusiasm.

If you’re interested in an employment opportunity with Belmont Bank & Trust Company, please contact us at Careers@belmontbank.com.

Download our employment application.  

Current Positions Available:

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Loan Processor

Summary:

The Loan Processor’s primary responsibility is to assist loan officers with bringing approved loans to funding by working closely with loan applicants and third parties, such as appraisers, title companies and attorneys.  The Loan Processor ensures the completeness of the loan file and prepares preliminary, closing and renewal loan documents in accordance with the approved terms, bank’s policies, and in compliance with federal and state regulations.  The individual often works with little supervision and engages in judgment calls and decision-making.

Essential Duties and Responsibilities:

This position is responsible for, but not limited to, the following:

  • preparing preliminary loan disclosures in compliance with Real Estate Settlement Procedures Act, Truth in Lending Act, and any other applicable federal and state regulations;
  • preparing notices of action taken in compliance with Fair Credit Reporting Act, Equal Credit Opportunity Act, and any other applicable federal and state regulations;
  • requesting title searches, title policy commitments, UCC searches, insurance certificates, articles of organization, operating agreements, trust agreements, corporate by-laws and legal opinions;
  • analyzing documentation requested above to ensure bank’s collateral position can be perfected;
  • analyzing general liability, hazard and flood insurance certificates to ensure adequate coverage;
  • running OFAC checks and collecting information in accordance with Bank Secrecy Act;
  • preparing loan documents for new loans and renewals in accordance with the approved terms, bank’s policies, and in compliance with federal and state regulations; 
  • scheduling and coordinating closings;
  • assembling closing packages and escrow agent’s instructions;
  • carrying out closings either on-site or at a client’s location and submitting documents from said closings to title companies for recording and final title insurance policy;
  • funding of loans via wire, check or disbursement into client’s depository account and approving final disbursement with escrow agents;
  • ensuring that funded loan files are complete and ready for booking onto bank’s loan accounting system;
  • collecting HMDA and CRA reporting data on each closed, withdrawn, or denied file; and
  • post-funding tracking and review of documents perfecting the collateral

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

Education/Experience:

High school diploma or equivalent is necessary.  Current enrollment towards a Bachelor’s Degree from an accredited institution in the field of business is preferred.  Two years of banking, accounting, financial services or real estate related experience is preferred.

Language Ability:

Strong written and verbal skills are necessary.  Candidate must be people-friendly with good communicative and interpersonal skills.  The individual must be able to respond to inquiries from and be able to coordinate between multiple parties. 

Math Ability:

The Loan Processor should be able to calculate interest accrued, pay-off amounts, penalties and percentages, balance closing statements, and apply basic accounting principles as necessary.

Reasoning Ability:

The ability to solve practical problems with many variables, often in situations where only limited standardization exists, is necessary.  The Loan Processor must deal with an array of inquiries from other lending personnel, clients, escrow agents, and attorneys.  The candidate must read, analyze, and interpret a variety of loan documents, legal entity organizational documents, title and insurance policies, and bank’s internal policies and procedures.

Computer Skills:

Strong PC skills including word processing, spreadsheet, presentation, internet, and internal software are necessary.  LaserPro or other loan documentation software experience is preferred.

Certificates and Licenses:

None are necessary.

Supervisory Responsibilities:

No supervisory responsibilities are associated with this position.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  The individual will be required to multi-task, work as a part of a team, and uphold the image of the Bank.

Physical Demands:

The physical demands 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.  While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers to handle, or feel, and talk or hear.

Loans Operations Associate

Summary:

Loan Operations Associate’s primary responsibility is to administer loan and loan-related accounts after funding.  Loan Operations Associate processes loan payments and advances, books loans onto the Bank's loan accounting system, scans files onto Bank’s imaging platform, prepares and distributes daily and monthly reports, and promotes business for the Bank by maintaining good customer relations.

Essential Duties and Responsibilities:

This position is responsible for, but not limited to, booking new loans and changes to existing loans onto the loan accounting system, ensuring that all collateral and credit files are electronically imaged, and any paper files are properly filed and secured at the close of business each day.  Loan Operations Associate tracks and files all post funding documents such as mortgages, assignments and title policies.  The individual also monitors insurance policy renewals and real estate tax payments on all existing loans and tracks and assists loan officers in requesting financial information updates from borrowers.  Loan Operations Associate is responsible for payment of invoices for services obtained in connection with a loan and for monthly reconciliations of receivables, payables and other internal accounts related to the Lending Department.  Lastly, the individual will perform general office duties and will provide support to other staff in the department as needed.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill and/or ability required.

Education/Experience:

High school diploma or equivalent is necessary.  Current enrollment towards a Bachelor’s Degree from an accredited institution in the field of business is preferred.  Some banking, accounting or financial services experience is preferred.

Language Ability:

Strong written and verbal skills are necessary.  Candidate must be people-friendly with good communicative and interpersonal skills.  The individual must be able to respond to common inquiries or complaints from customers clearly.

Math Ability:

The Loan Operations Associate should be able to understand basic math computations.  The candidate will be required to calculate interest accrued, pay-off amounts, penalties and percentages.  The ability to apply concepts of basic algebra is necessary.    

Reasoning Ability:

The ability to solve practical problems and deal with a variety of questions from customers and loan officers on a daily basis is necessary.  The Loan Operations Associate should be able to know and understand typical transactions for different types of customers, identify and resolve problems in a timely manner, and gather and analyze information.

Computer Skills:

Strong PC skills including word processing, spreadsheet, presentation, internet and internal software are necessary. 

Certificates and Licenses:

None are necessary.

Supervisory Responsibilities:

No supervisory responsibilities are associated with this position.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  The individual will be required to multi-task, work as a part of a team and uphold the image of the Bank.

Physical Demands:

The physical demands 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.  While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers to handle, or feel, and talk or hear.

Universal Banker

Summary:

The Universal Banking position incorporates the responsibilities of both a teller and a personal banker. The employee will be expected to perform the operational duties of a teller as well as the relationship management expected of a personal banker. The teller aspect of this position incorporates many responsibilities and duties including safeguarding depositors’ funds, adhering to Banking regulations, being detail oriented to achieve accurate transaction processing and record keeping, as well as knowing the Bank’s products and services and how to successfully cross-sell them to build relationships. Tellers are the frontline for the bank and therefore should be personable, patient, efficient and confident. The personal banking aspect of this position also entails many responsibilities and duties including growing deposits at the Bank, adhering to Banking regulations, being detail-oriented to achieve accurate transaction processing and record keeping, as well as knowing the Bank’s products and services and how to successfully cross-sell them to build stronger banking relationships. This person should be entrepreneurial in nature and have the ability to build core deposit balances for the Bank.

Essential Duties and Responsibilities:

The teller position is responsible for but not limited to: managing and balancing a cash drawer, accepting and processing customer deposits, creating official checks and money orders, running the coin machine, making loan payments, processing U.S. Savings Bonds, preparing CTRs (currency transaction reports) and preventing fraud. The personal banker position is responsible for but not limited to: developing and retaining new core-deposit relationships, learning and understanding retail loan products, understanding and following new account opening procedures, understanding all products and services of the bank and how to cross-sell them, handling customer requests and complaints, keeping current with banking regulation guidelines, answering the phone, referring loan customers to lending department, and achieving monthly sales and cross-sell goals. The candidate needs to ensure proper product, service and regulatory knowledge to make sure all banking activity is compliant. The individual should have the ability to talk comfortably with customers and be confident when speaking of Bank products and services. The individual should be able to work in a team environment and cross-sell to enhance customer banking relationships.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required.

Education/Experience:

High School Diploma and/or secondary education is preferred (either Bachelor’s degree from a four-year accredited institution in the field of business, including courses in finance, accounting and economics or current enrollment towards this goal). Three years of related sales experience and training is required. 

Language Ability:

Strong written and verbal skills are necessary as well as the ability to multi-task, negotiate, reason and make decisions. He/she must have the ability to effectively present information to customers and explain the benefit of the Bank’s products and services. Individual must be people-oriented with good communicative and interpersonal skills. The individual must be able to respond to common inquiries or complaints from customers, regulatory agencies or members of the business community in a confident manner.

Math Ability:

The individual should be able to understand basic math computations. The individual will be required to calculate basic math in regards to calculating deposits, withdrawals, and summations. The ability to apply concepts of basic algebra is required. The ability to balance a cash drawer on a daily basis and manage cash shipments is necessary. The ability to calculate figures and amounts such as interest accrued, pay-offs, financial penalties and percentages is also necessary.

Reasoning Ability:

The ability to handle multiple customers with multiple requests on a daily basis is necessary. The employee as a teller or a banker should be able to know and understand typical transactions for different types of customers (i.e. personal v. business). This is important not only for daily operations but also in understanding and preventing fraud or other losses to the Bank. The ability to profile and determine which product set will best suit each customer as well as being able to sell those products to the customer is necessary.

Computer Skills:

Strong PC skills including word processing, spreadsheet, presentation, internet and internal software are required.

Certificates and Licenses:

None are necessary.

Supervisory Responsibilities:

None are necessary.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Physical Demands:

The physical demands 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. While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands to fingers, handle, or feel, and talk or hear.

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