Careers

Summary of Duties:

The Deposit Operations Representative is responsible for supporting daily deposit operations and providing exceptional customer service. This position handles a variety of operational functions, including ACH processing, wire transfers, chargebacks, non-posted and stop payment items, regulatory reporting, fraud monitoring, and account maintenance. The representative also assists customers with account inquiries and electronic banking services while ensuring compliance with established bank policies and procedures.  Perform additional assigned duties.

Duties and Responsibilities

1. Process chargebacks and NSF (Non-Sufficient Funds) items deposited into customer accounts.
2. Process and monitor incoming and outgoing wire transfers, ensuring accuracy, security, and compliance, including required FinCEN reporting.
3. Print and distribute NSF, PDP, and loan notices; send and receive ACH files.
4. Review and process daily non-posted and stop payment items.
5. Enter and maintain Reg CC holds and stop payment requests within the system.
6. Process collections on checks drawn on the bank.
7. Complete affidavits of forgery, unauthorized ACH/check claims, and debit card disputes.
8. Investigate and resolve potential fraud involving ACH, checks, debit cards, and bill pay transactions.
9. Research customer accounts and respond to inquiries regarding DDA accounts, balances, and bank hours.
10. Assist customers with the iTalk automated phone system, internet banking, PNB Pro mobile app, iPay bill payment services, and Remote Deposit/mRDC.
11. Perform account maintenance, including address changes and other updates.
12. Balance assigned general ledger (GL) accounts, identify discrepancies, and make correcting entries as needed.
13. Charge off deposit accounts, send items to collections, and process recoveries.
14. Assist with garnishments, audits, and distribution of incoming and outgoing bank mail.
15. Cross-sell bank products and refer customers to appropriate bank representatives when necessary.
16. Answer incoming calls and direct customers to the appropriate department.
17. Train other Deposit Operations Representatives as needed.
18. Complete all required training and assist with implementation of new products and services.
19. Perform all duties in compliance with established bank policies, procedures, and regulatory guidelines.

Qualifications

• High School Diploma required, some college preferred.
• Proficiency in Microsoft Word, Excel, and Windows-based systems.
• Ability to multi-task and work efficiently under pressure with speed and accuracy.
• Strong communication and customer service and organizational skills.
• Must be available to work at least 40+ hours per week and remain at work until 5:00 p.m.

For more information or to apply for this job, visit www.pnb-ms.net/connect/careers.

Job openings are available exclusively to internal applicants for five business days. After five business days, openings are available to both internal and external applicants.

PNB employees must be in their current position for a minimum of six (6) months prior to posting for a new position. Management reserves the right to waive the six-month minimum.

  Posted: February 19, 2026

Job Posting

Job Title:      Loan Assistant

Summary of Duties:    The loan assistant position is one of the most challenging positions in the bank.  The loan assistant is responsible for assisting with the total relationship of the customer.  This may involve real estate, consumer and commercial loans as well as deposit relationships.  Given the large volume of documentation and workflow, Loan Assistants must be highly organized.  The position requires excellent people skills and multi-tasking abilities.  Sufficient computer and other technical skills are a must.  The Loan Assistant must be able to work under pressure without the customers sensing it.

Specific Duties:

1. Customer Interaction – Loan Assistants are often the gateway to a customer’s loan experience with the Bank.  As such, Loan Assistants must exhibit a welcoming and professional demeanor.  They should always reflect a willingness and desire to help meet the needs of the customers and fellow employees.   
2. Loan Officer Interaction – Loan Assistants are often recognized as an extension of the Loan Officer(s) to whom they are assigned.  In some instances, a Loan Assistant is assigned to one specific Officer.  However, typically, the Loan Assistant is assigned to a small group of Loan Officers.  In any case, their first line of supervision and direction shall come from the Loan Officer(s) to which they are assigned.
3. Third Party Interaction -    
4. General Information Gathering - Customer information is necessary to assist the customer with both loan and deposit products.  This requires asking questions to determine if the customer can be helped by the loan assistant rather than the Loan Officer or any other member of bank staff.
5. Loan Application Process – The process for handling of a loan application varies depending on the size and complexity of the loan application.  Loan Officers often have varying styles and methods of handling loan applications received.  Loan Assistants must be able to adjust to the style and method of the Loan Officer responsible for the loan decision.
   1. Complete loan applications as necessary for making a proper credit decision.  At times, Loan Assistants will interview applicants directly or over the phone.  In other instances, the Loan Assistant will receive verbal or written guidance regarding information for a request.  In each case, the Loan Assistant must be able to translate completely and accurately into a complete and accurate Loan Application form.
   2. An applicant’s credit history is often a critical factor either through the credit bureau or direct inquiries.  Most often, the credit investigation is performed through a Credit Reporting Agency such as Equifax or Trans Union.  Frequently, the Loan Assistant is required to complete a credit bureau request.
   3. Various other documents are required to process a loan request.  The requirements generally vary based on size and complexity of the loan and/or loan relationship of the applicant. Loan Assistants must be capable of following and completing Loan Documentation Checklists for all loan applications pre- and post-close.
   4. Often, loan applications are received that exceed a Loan Officer’s direct lending authority.  While under the guidance of the Loan Officer, Loan Assistants play a critical role in proper creation and dissemination for a loan approval package.
6. Loan Closings & Disbursements – Loan Assistants must be proficient and efficient at handling loan closings and disbursing of loan proceeds.  Along with professional and friendly people skills, the Loan Assistant must possess a thorough knowledge of and purpose for all required loan documents.  They must be able to provide reasonable explanations to customers.  Loan Assistants must have sufficient skills to ensure that all loan proceeds are disbursed as intended.  All disbursement entries must be delivered to Loan Operations on the day the loan closes or no later than the following day.
7. Loan Policy & Procedures Knowledge – While the approving or servicing Loan Officer are ultimately held responsible for the success or failure of an individual loan or loan relationship, Loan Assistants play a major role in risk reduction and proper loan relationship monitoring and servicing.  As such, Loan Assistant must familiarize themselves with Loan Policy, Loan Procedures and proper Loan Documentation requirements.  While Loan Officers should provide Loan Assistants with guidance on all lending issues, the Loan Assistant should take every opportunity to further or reinforce their knowledge of their job duties. 
8. Training and Knowledge Growth – Loan Assistants are regularly assigned training.  As with others within the bank, all assigned training must be completed on a timely basis.  The Loan Assistant must demonstrate a good working knowledge of bank policies and procedures, as well as applicable regulatory requirements.
9. Loan Portfolio Servicing - Responsible for assisting lenders with collections, loan exceptions, contacting borrowers for financials and obtaining insurance when necessary.  In general, the Loan Assistant will follow their designated Loan Officer’s instructions with regards to actions needed to service active loan portfolios.  Some of these activities include but are not limited to:
   1. Placing collection calls
   2. Clearing of loan exceptions
   3. Gathering financial data
10. General Responsibilities – Other responsibilities outside of the primary job function may arise.  For any additional responsibilities assigned, a job description for that responsibility should be requested and provided (if one is available).  Where appropriate, these responsibilities should be handled as instructed with or without a specific Job Description.  Additional duties and/or responsibilities do not necessarily constitute a change in job title or description.

Requirements:

• High School Diploma or equivalent
• Must be able to type 40 WPM
• Minimum of 5 years operational experience in multiple functional areas (clerical/secretarial positions) (Three years of college and three years secretarial duties may be substituted)
• Excellent customer service skills
• Minimum of 3 years of Microsoft Office
• Ability to multi-task Understanding of Accounting
• Ability to work in a high stress environment and meet strict deadlines
• Ability to take basic information and compose correspondence

For more information or to apply for this job, visit www.pnb-ms.net/connect/careers

Job openings are available exclusively to internal applicants for five business days.  After five business days, openings are available to both internal and external applicants.

PNB employees must be in their current position for a minimum of six (6) months prior to posting for a new position.  Management reserves the right to waive the six-month minimum.

Posted: December 4, 2025