Commercial Loan Processor

Glacier Bancorp, Inc.•Missoula, MT

8d•Hybrid

About The Position

This position provides administrative support to a work unit and performs duties associated with loan processing, including preparing, processing, disbursing, and maintaining approved new loans, as well as renewals and modifications to existing loans, in accordance with company procedures and guidelines. The role may also involve performing and/or providing backup for specialized duties related to managing flooring lines of credit.

Requirements

A high school degree or GED is required.
One year of similar or related experience.
Working knowledge of standard office equipment.
Skills in computer operations/use, including working knowledge of Microsoft applications.
Ability to learn new systems/applications.
Ability to effectively follow written and oral instructions.
Ability to work well under pressure in a fast-paced environment.
Ability to work both independently and in a team environment.
Effective verbal and written communication skills.
Ability to treat all customers in a polite and courteous manner.
Ability to work cooperatively and effectively with others to set and achieve goals.
Ability to help others, resolve problems, and make decisions that enhance organizational effectiveness.
Professional manner in dealing with others.
Ability to develop and maintain cooperative and positive working relationships.
Ability to represent the bank in a positive manner.
High standard of honesty, integrity, trust, and openness.
Ability to follow appropriate standards of conduct and moral judgment.
Willingness to act outside the norm when needed to adhere to ethical principles.
Respect for others.
Ability to maintain strict confidentiality regarding any information obtained during job duties.
Adherence to Bank policies and procedures regarding confidentiality.
Adherence to guidelines, protocol, policies, and procedures and supervisory directives.
Ability to improve and promote work quality.
Demonstrate accuracy, thoroughness, and attention to detail.
Ability to strive to achieve good results.
Ability to adapt positively to change.
Ability to manage competing demands and effectively handle changes, delays, and/or unexpected events with a positive attitude.
Ability to prioritize, organize, and plan work.
Ability to use time efficiently and achieve results within time frames.
Ability to complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
Ability and willingness to make sound decisions.
Ability to identify and resolve problems in a timely and positive manner.
Ability to exhibit sound judgment.
Ability to appropriately handle both routine and non-routine situations.
Accept responsibility for own work performance.
Accept responsibility for own actions and outcomes.
Willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement.
Ability to conduct follow-through and meet commitments and agreements in a timely manner.
Ability to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Ability to routinely perform work on computer for an average of 6-8 hours per day.
Ability to work extended hours or travel off site whenever required or requested by management.
Ability to climb/descend stairs in an emergency.
Ability to exert up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects.
Close visual acuity to perform activities such as preparing and analyzing data, transcribing, viewing a computer terminal, extensive reading, and visual inspection of small defects or parts.

Nice To Haves

May perform and/or provide backup of specialized duties associated with managing flooring lines of credit.
Perform Notary services for loan closings as well as walk-in traffic as requested.
May process construction loan draws including sending draw requests to title company and/or lender for review, review completed inspections, process draw payments via check, transfer, or wire, and collect lien waivers and releases.

Responsibilities

Prepare new and renewal loan documents and correspondence, including letters, memoranda, and various forms and reports in rough and final draft for lending staff.
Proofread documents for accuracy and correct errors.
Prepare loan files with all appropriate documentation.
Meet with lenders to discuss Credit Authorizations and Loan Checklists to determine loan types and necessary prep work.
Prepare all LaserPro and supporting loan documents, checking for accuracy and correcting errors.
Prepare loan files with due diligence loan documentation.
Assist officers in preparing information for the loan committee.
Complete due diligence to validate information required for loan/collateral documentation before and after loan closings.
Correspond with vendors to obtain and review corporate and collateral documentation.
Order title searches/commitments and/or complete UCC and other lien searches, appraisals, credit reports, OFAC, certificates of existence, registered principals, flood determinations, and environmental reports.
Check documentation for accuracy, completeness, and compliance with loan approval guidelines and internal policies.
Prepare all collateral documents and changes, transfers of equity, lien filings, and deeds of trust.
Update files/records internally and with the State and County.
Identify, input, and maintain outstanding collateral and financial items in a tracking system to ensure follow-up items are reported, tracked, and resolved.
Maintain communication with lenders to ensure they and/or customers are aware of any documentation exceptions.
Prepare tickets, wires, and checks for disbursement of funds when loans are closed.
Process loan information and debit/credit forms for entry into the system.
File all collateral security items with designated vendors and perform CIF level maintenance.
Update/verify BSA required information, including Beneficial Ownership.
Prepare compliance and/or data integrity documents such as BSA, SLTV, FHLB, Officer Comments, CRA, and HMDA.
Process paid notes and ensure collateral is not used for any other loan before releasing collateral and applicable insurance with vendors.
Prepare lien releases and applicable correspondence.
Update Collateral Tracking and Synergy and/or paper file with appropriate documentation.
Perform file maintenance to ensure quality control of documents and processes.
Scan and archive, index, and verify all loan documents into the database.
Respond to customer requests and credit inquiries courteously and promptly.
Answer phones and greet walk-in customers promptly and courteously.
Assist with loan-related questions and problems, such as loan histories, account/billing statements, transfers, and loan payments.
Process mail as needed.
Perform Notary services for loan closings and walk-in traffic.
Complete correspondence upon request.
Provide assistance and backup to other areas in the department as needed.
May process construction loan draws, including sending draw requests to the title company and/or lender for review, reviewing completed inspections, processing draw payments, and collecting lien waivers and releases.
Comply with all company policies, procedures, and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Maintain strict confidentiality of customer information.
Develop and improve skills through training programs and feedback.
Participate in all training sessions and complete assigned OnCourse training courses.
Adhere to First Security Bank’s core values and represent the bank professionally.
Display excellent customer service with both internal and external clients.
Be capable of regular, reliable, and timely attendance.