Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
08/15/2026
Full time
Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
08/13/2026
Full time
Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
08/03/2026
Full time
Description: JOB DESCRIPTION JOB TITLE: SENIOR LOAN OPERATIONS SPECIALIST DEPARTMENT: CREDIT REPORTS TO: LOAN OPERATIONS OFFICER FLSA STATUS: NON-EXEMPT TYPE OF POSITION: FULL TIME - HYBRID OR REMOTE JOB SUMMARY The Senior Loan Operations Specialist serves as a senior-level lending operations resource responsible for supporting commercial, consumer, agricultural, and residential lending activities. This position performs advanced loan processing, documentation preparation, collateral management, quality control, and regulatory compliance activities. The Senior Loan Operations Specialist serves as a subject matter expert within the lending operations space and works closely with Loan Officers, Credit Administration, Loan Operations, Compliance, and Senior Management to ensure lending transactions are processed accurately, timely, and in accordance with bank policy and regulatory requirements. In addition to performing complex loan documentation and processing functions, this position assists the Loan Operations Officer with workflow coordination, employee training, process improvement initiatives, procedure development, system implementations, audit preparation, and special projects. The individual is expected to provide leadership and operational support across the loan operations department and serve as a backup resource for critical loan operations functions. DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Advanced Loan Documentation and Processing • Prepare complex commercial, consumer, agricultural, and real estate loan documents supporting loan requests approved by loan committee and the board as needed. • Verify loan terms against approved loan presentations and ensure all covenants, conditions precedent, collateral requirements, and loan structure requirements are accurately documented. • Review loan files for completeness and accuracy prior to closing. • Identify documentation deficiencies and resolve issues with lenders, attorneys, title companies, and third-party vendors. • Coordinate on complex loan modifications, renewals, extensions, assumptions, and participation loans. • Review executed loan documents to ensure proper completion and enforceability. • Maintain a strong understanding of commercial, agricultural, residential, and consumer lending products. Loan Operations Support • Assist with loan onboarding, maintenance, and coordinate servicing functions to loan accounting. • Support collateral tracking and perfection activities, including vehicle titles, equipment liens, real estate collateral, and UCC filings. • Review loan maintenance requests for accuracy and policy compliance. • Assist in preparing collateral release documentation and paid loan file reviews. • Support loan imaging, document retention, and electronic file management processes. Regulatory Compliance and Quality Control • Ensure adherence to the Bank's Loan Policy and all applicable federal and state regulations. • Maintain advanced knowledge of Truth in Lending, RESPA, TRID, HMDA, Flood regulations, Fair Lending, ECOA, Fair Housing, Fair Credit Reporting Act, and other applicable lending regulations. • Assist with documentation requests and questions deriving from internal audits, regulatory examinations, and external loan reviews, as needed. • Monitor loan documentation standards and recommend corrective actions when necessary. Entity and Collateral Expertise • Maintain advanced knowledge of business entities including LLCs, corporations, partnerships, non-profits, trusts, and governmental entities. • Review organizational documents to determine legal authority and signing capacity. • Review title commitments, title policies, lien searches, and collateral perfection requirements, including mortgage filing sequence and UCC filing. • Assist with vendor management activities. • Analyze lien priority issues and assist in resolving collateral documentation concerns and/or questions. Leadership and Department Support • Serve as a lending operations subject matter expert and resource for department staff. • Assist with onboarding, training, and cross-training of loan operations personnel. • Provide guidance and support to the loan operations team members. • Assist with workload balancing and coverage during staff absences or periods of increased volume. • Participate in developing and updating department procedures and job aids. • Recommend process improvements that enhance efficiency, accuracy, customer service, and risk management. • Before execution, review loan documentation received from attorneys or processed by loan operations personnel to ensure accuracy and verify all prior to close items have been met. Project and Strategic Support • Participate in core system upgrades, lending system implementations, conversions, testing, and process enhancements. • Assist management with special projects, process reviews, remediation activities, and strategic initiatives. • Maintain departmental reports and assist in identifying trends, operational risks, or opportunities for improvement. • Keep current on industry best practices and regulatory changes impacting loan operations. Customer and Internal Service • Handle inquiries from customers and internal team members with professionalism and responsiveness. • Support loan officers throughout the loan origination and servicing process. • Compose letters, reports, procedures, and internal correspondence as requested. • Exercise sound judgment when handling confidential customer and bank information. • Recognize suspicious activity and escalate concerns appropriately. Other Duties • Assist with departmental reporting and administrative functions. • Perform other duties and special projects as assigned. QUALIFICATIONS To perform this job successfully, an individual must possess advanced knowledge of lending operations, loan documentation, collateral perfection, and regulatory compliance requirements. The individual must demonstrate strong analytical skills, independent judgment, leadership capabilities, and a commitment to operational excellence. The successful candidate must be capable of managing multiple priorities while maintaining exceptional accuracy and service levels. The individual must also be consistent and detailed in all quality control functions in order to ensure internal adherence to TrustBank policies, as well as compliance with applicable State and Federal laws and regulations. TECHNICAL SKILLS • Proficiency in Microsoft 365 applications including Outlook, Word, Excel, Teams, PowerPoint, and other business productivity tools. • Ability to utilize loan origination (prefer experience with LaserPro), imaging, document preparation, workflow management, and core processing systems. • Experience with reporting tools, document management systems, and electronic loan file systems is preferred. • Strong understanding of electronic records management, digital collaboration platforms, and technology-enabled workflow processes. • Ability to effectively utilize artificial intelligence (AI) and automation tools approved by the Bank to improve efficiency, enhance accuracy, support research, assist with document review, and streamline administrative tasks while maintaining appropriate confidentiality, security, and legal & regulatory compliance standards, including Microsoft CoPilot and any other emerging tools. • Ability to evaluate information generated by AI tools using professional judgment and appropriate verification procedures to ensure accuracy, compliance, and adherence to Bank policies & laws. WORKING CONDITIONS The position is typically scheduled Monday through Friday and is expected to work forty hours per week. Schedule may vary depending on assigned location. Additional hours may occasionally be required based on workload demands, system conversions, audits, examinations, or special projects. This position may be based at a TrustBank office location and may be eligible for hybrid or remote work arrangements subject to business needs and management approval. Periodic travel may be required for meetings, training, or operational support activities. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS The estimated annual salary for this position is $58,000 - $80,000. The position is also eligible for an annual discretionary bonus. The salary range reflects potential hiring markets for this position across multiple geographic locations. Individual compensation offers are based on factors such as experience, qualifications, demonstrated skills, internal equity, and the competitive labor market for the candidate's work location. Not all candidates will qualify for compensation at or near the top of the range. Typically, offers are expected to fall within the portion of the range that aligns with the candidate's market, experience, and overall qualifications. In addition to base compensation, the Bank offers a competitive benefits package. DISCLOSURES Trust Bank recognizes that people are our bank's strength . click apply for full job details
Description: TrustBank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This individual will lead the credit analyst function, provide expert guidance on complex lending relationships, and help build the processes, talent, and infrastructure necessary to support a growing and evolving Credit Department. Ideal candidates will possess exceptional commercial credit skills, strong leadership capabilities, and a desire to influence the future direction of credit administration and management within a relationship-focused community bank. JOB DESCRIPTION JOB TITLE: AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS: EXEMPT TYPE OF POSITION: FULL-TIME JOB SUMMARY The Senior Credit Officer serves as a key leader within the Credit Department and is a strategic partner to the Chief Credit Officer. This role is responsible for overseeing the credit analyst function, ensuring high-quality underwriting and risk assessment practices, and supporting the continued development of the Bank's credit risk framework. The position plays an integral role in building a scalable, high-performing Credit Department through talent development, process improvement, and effective risk management. The Senior Credit Officer independently evaluates complex lending relationships, provides recommendations regarding credit quality and risk ratings, and collaborates with lending teams to support sound credit decisions that align with the Bank's risk appetite and growth objectives. PRIMARY DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Credit Risk Management • Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate overall credit quality and repayment capacity. • Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and opportunities. • Prepare comprehensive credit presentations that support informed lending decisions. • Recommend risk ratings in accordance with Loan Policy and established credit grading standards. • Identify emerging portfolio risks and recommend appropriate mitigation strategies. • Participate as a non-voting member of Loan Committee meetings. • Oversee the annual loan review, appraisal and environmental review, and loan reporting programs and initiatives. Team Leadership • Lead, mentor, and develop the credit analyst team to promote consistent, high-quality underwriting and professional growth. • Manage departmental workflow, establish priorities, and allocate resources to ensure timely completion of credit requests. • Partner with the Chief Credit Officer in performance management, talent acquisition, succession planning, and staff development initiatives. Department Development and Strategic Initiatives • Partner with the Chief Credit Officer and senior management to strengthen and expand the Bank's Credit Department. • Develop and enhance operating procedures, quality control practices, and reporting processes. • Lead initiatives that improve efficiency, consistency, scalability, and effectiveness within the credit review process. • Assist in establishing departmental goals, performance metrics, and service standards. • Evaluate and leverage technology, data analytics, automation, and authorized artificial intelligence tools to improve underwriting efficiency and risk monitoring while maintaining sound credit judgment and regulatory compliance. Collaboration and Compliance • Build effective partnerships with loan officers, lenders, credit analysts, auditors, loan review personnel, and senior management. • Support annual loan review activities and regulatory examination preparation as needed. • Ensure adherence to internal policies, lending regulations, and risk management standards. • Recognize and appropriately escalate suspicious or unusual activities in accordance with Bank compliance requirements. • Complete special projects and other assignments as requested by senior management. TRAITS/CHARACTERISTICS OF A SUCCESSFUL SENIOR CREDIT OFFICER • Serves as a trusted advisor and collaborative partner. • Demonstrates strong leadership presence and accountability. • Strategic thinker who balances growth objectives with prudent risk management. • Builder mindset with the ability to create structure, improve processes, and drive organizational effectiveness. • Embraces innovation and continuous improvement. • Exercises sound judgment in complex or ambiguous situations. • Maintains a high level of professionalism, integrity, and confidentiality. • Adaptable and resilient in a fast-paced environment. • Naturally curious and committed to ongoing learning and development. Leadership and Business Skills • Strong organizational and project management abilities. • Ability to manage competing priorities and meet critical deadlines. • Effective written, verbal, and presentation communication skills. • Strong relationship-building and stakeholder management skills. • Ability to influence outcomes and drive process improvements across multiple departments. WORKING CONDITIONS AND ESSENTIAL FUNCTIONS The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. After six months, the Bank may consider a limited remote hybrid work schedule based on the needs of the Bank and the Credit team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and/or bus (if position requires travel). COMPENSATION AND BENEFITS Total compensation for this position is $115,000 - $125,000. TrustBank provides a generous benefits offering, with details on our bank's website: TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. DISCLOSURES TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: July 9, 2026 Requirements: EDUCATION AND/OR EXPERIENCE • Bachelor's degree in Finance, Accounting, Economics, or a related field required. • Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution strongly preferred. • Prior experience leading, mentoring, or developing credit professionals required. • Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions strongly preferred. REQUIRED SKILLS AND ABILITIES Technical Credit Expertise • Strong knowledge of commercial credit analysis, financial statement analysis, cash flow analysis, loan structuring, and risk assessment principles. • Advanced understanding of repayment capacity analysis across multiple borrower and guarantor structures. • Thorough knowledge of banking regulations, credit administration practices, and loan policy standards. • Ability to evaluate commercial real estate, agricultural, consumer, and business lending relationships. Technology and Analytics • Advanced proficiency in Microsoft Excel and Word, including financial modeling, data analysis, and reporting tools. • Ability to utilize data analytics and reporting tools to support credit risk evaluation and portfolio monitoring. • Working knowledge of artificial intelligence, automation, and emerging technologies applicable to underwriting, credit administration, and risk management. • Ability to evaluate technology-generated insights while maintaining independent credit judgment. Compensation details: 00 Yearly Salary PI9a9a4e0a308e-0447
08/03/2026
Full time
Description: TrustBank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This individual will lead the credit analyst function, provide expert guidance on complex lending relationships, and help build the processes, talent, and infrastructure necessary to support a growing and evolving Credit Department. Ideal candidates will possess exceptional commercial credit skills, strong leadership capabilities, and a desire to influence the future direction of credit administration and management within a relationship-focused community bank. JOB DESCRIPTION JOB TITLE: AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS: EXEMPT TYPE OF POSITION: FULL-TIME JOB SUMMARY The Senior Credit Officer serves as a key leader within the Credit Department and is a strategic partner to the Chief Credit Officer. This role is responsible for overseeing the credit analyst function, ensuring high-quality underwriting and risk assessment practices, and supporting the continued development of the Bank's credit risk framework. The position plays an integral role in building a scalable, high-performing Credit Department through talent development, process improvement, and effective risk management. The Senior Credit Officer independently evaluates complex lending relationships, provides recommendations regarding credit quality and risk ratings, and collaborates with lending teams to support sound credit decisions that align with the Bank's risk appetite and growth objectives. PRIMARY DUTIES AND RESPONSIBILITIES (Other duties may be assigned.) Credit Risk Management • Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate overall credit quality and repayment capacity. • Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and opportunities. • Prepare comprehensive credit presentations that support informed lending decisions. • Recommend risk ratings in accordance with Loan Policy and established credit grading standards. • Identify emerging portfolio risks and recommend appropriate mitigation strategies. • Participate as a non-voting member of Loan Committee meetings. • Oversee the annual loan review, appraisal and environmental review, and loan reporting programs and initiatives. Team Leadership • Lead, mentor, and develop the credit analyst team to promote consistent, high-quality underwriting and professional growth. • Manage departmental workflow, establish priorities, and allocate resources to ensure timely completion of credit requests. • Partner with the Chief Credit Officer in performance management, talent acquisition, succession planning, and staff development initiatives. Department Development and Strategic Initiatives • Partner with the Chief Credit Officer and senior management to strengthen and expand the Bank's Credit Department. • Develop and enhance operating procedures, quality control practices, and reporting processes. • Lead initiatives that improve efficiency, consistency, scalability, and effectiveness within the credit review process. • Assist in establishing departmental goals, performance metrics, and service standards. • Evaluate and leverage technology, data analytics, automation, and authorized artificial intelligence tools to improve underwriting efficiency and risk monitoring while maintaining sound credit judgment and regulatory compliance. Collaboration and Compliance • Build effective partnerships with loan officers, lenders, credit analysts, auditors, loan review personnel, and senior management. • Support annual loan review activities and regulatory examination preparation as needed. • Ensure adherence to internal policies, lending regulations, and risk management standards. • Recognize and appropriately escalate suspicious or unusual activities in accordance with Bank compliance requirements. • Complete special projects and other assignments as requested by senior management. TRAITS/CHARACTERISTICS OF A SUCCESSFUL SENIOR CREDIT OFFICER • Serves as a trusted advisor and collaborative partner. • Demonstrates strong leadership presence and accountability. • Strategic thinker who balances growth objectives with prudent risk management. • Builder mindset with the ability to create structure, improve processes, and drive organizational effectiveness. • Embraces innovation and continuous improvement. • Exercises sound judgment in complex or ambiguous situations. • Maintains a high level of professionalism, integrity, and confidentiality. • Adaptable and resilient in a fast-paced environment. • Naturally curious and committed to ongoing learning and development. Leadership and Business Skills • Strong organizational and project management abilities. • Ability to manage competing priorities and meet critical deadlines. • Effective written, verbal, and presentation communication skills. • Strong relationship-building and stakeholder management skills. • Ability to influence outcomes and drive process improvements across multiple departments. WORKING CONDITIONS AND ESSENTIAL FUNCTIONS The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. After six months, the Bank may consider a limited remote hybrid work schedule based on the needs of the Bank and the Credit team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and/or bus (if position requires travel). COMPENSATION AND BENEFITS Total compensation for this position is $115,000 - $125,000. TrustBank provides a generous benefits offering, with details on our bank's website: TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. DISCLOSURES TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: July 9, 2026 Requirements: EDUCATION AND/OR EXPERIENCE • Bachelor's degree in Finance, Accounting, Economics, or a related field required. • Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution strongly preferred. • Prior experience leading, mentoring, or developing credit professionals required. • Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions strongly preferred. REQUIRED SKILLS AND ABILITIES Technical Credit Expertise • Strong knowledge of commercial credit analysis, financial statement analysis, cash flow analysis, loan structuring, and risk assessment principles. • Advanced understanding of repayment capacity analysis across multiple borrower and guarantor structures. • Thorough knowledge of banking regulations, credit administration practices, and loan policy standards. • Ability to evaluate commercial real estate, agricultural, consumer, and business lending relationships. Technology and Analytics • Advanced proficiency in Microsoft Excel and Word, including financial modeling, data analysis, and reporting tools. • Ability to utilize data analytics and reporting tools to support credit risk evaluation and portfolio monitoring. • Working knowledge of artificial intelligence, automation, and emerging technologies applicable to underwriting, credit administration, and risk management. • Ability to evaluate technology-generated insights while maintaining independent credit judgment. Compensation details: 00 Yearly Salary PI9a9a4e0a308e-0447