Consumer Loan Processor

Glacier Bancorp, Inc.•Missoula, MT

8d•Onsite

About The Position

Establishes loan files and orders documentation required to process loans. Responsible for the accuracy and completeness of all loan documentation. Processes consumer loan files after closings to ensure that documents are recorded with proper recording authority and the loans are entered correctly into company records. Inputs loan documents into online system, processes loan payoffs, and maintains loan files. Provides general administrative support for the work unit. DUTIES AND RESPONSIBILITIES: Prepare documents as authorized by lending officers to properly secure different types of loans and extensions. Prepare documents for new, renewed, and extended loans. Prepare all collateral documents e.g., changes of collateral, transfers of equity, lien filings, and deeds of trust and updates files and records of customers internally and with the State and County as appropriate. Prepare loan file with all appropriate documentation. Track all required information needed to complete loan files. Input and review data for accuracy into the consumer loan operating system to generate the necessary loan documents and disclosures. Review the credit file for adequate disclosures timelines and check that all necessary documentation has been collected. Verify the fees are correct and the file has been properly coded with all pertinent exception codes, if any, accurate FHLB coding has also been completed. Assist officer in the preparation of information for the loan committee and in the preparation of loan officer comments to the loan file. Prepare information for disbursement when loans closed. Process loan information and debit/credit forms to be entered on books and on computer system. Order the appropriate real estate evaluations, such as Current Market Analysis, Appraisal, or Automated Valuation Reports necessary to process loans. Order credit reports and income/employment verifications, request titles and lien search, and process credit verification requests. Adhere to loan scanning procedures and policies for adherence to separation of duties and quality control of the pertinent loan file documents. Correctly identify the proper documents for indexing. Perform file maintenance to ensure quality control of documents and processes. Maintain a tickler system to ensure that all steps in the loan application and monitoring process are completed in a timely manner. Monitor and adjust tax and insurance reserves as needed. Provide administrative support for loan department by responding to routine inquiries for consumer loan account balances and payoff amounts and greeting walk-in customers. Perform notaries as needed. Maintain files for the loan department. ESSENTIAL FUNCTIONS: Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information. Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date. Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs. Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets: Warm – Demonstrate warmth; be genuine and approachable Engage – Engage with teammates and customers; be present in every interaction Listen – Actively listen to employees and clients Connect – Build relationships, connect with the community and teams Opportunity – Seek out opportunities to serve others Modify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate Experience – Create a true experience for the client by providing exceptional customer service on their financial journey Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers. Position performs other duties as needed/assigned.

Requirements

Six months to two years of similar or related experience.
A high school degree or GED is required.
Working knowledge of standard office equipment.
Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.
Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques.
Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.
Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.
Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.
Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.
Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.
Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.
Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.
Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.
Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
Must be able to work extended hours or travel off site whenever required or requested by management.
Must be capable of regular, reliable, and timely attendance.
Must be capable of climbing / descending stairs in an emergency.
Sedentary work. Exerting 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, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.
The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Nice To Haves

Banking experience preferred.

Responsibilities

Prepare documents as authorized by lending officers to properly secure different types of loans and extensions.
Prepare documents for new, renewed, and extended loans.
Prepare all collateral documents e.g., changes of collateral, transfers of equity, lien filings, and deeds of trust and updates files and records of customers internally and with the State and County as appropriate.
Prepare loan file with all appropriate documentation.
Track all required information needed to complete loan files.
Input and review data for accuracy into the consumer loan operating system to generate the necessary loan documents and disclosures.
Review the credit file for adequate disclosures timelines and check that all necessary documentation has been collected.
Verify the fees are correct and the file has been properly coded with all pertinent exception codes, if any, accurate FHLB coding has also been completed.
Assist officer in the preparation of information for the loan committee and in the preparation of loan officer comments to the loan file.
Prepare information for disbursement when loans closed.
Process loan information and debit/credit forms to be entered on books and on computer system.
Order the appropriate real estate evaluations, such as Current Market Analysis, Appraisal, or Automated Valuation Reports necessary to process loans.
Order credit reports and income/employment verifications, request titles and lien search, and process credit verification requests.
Adhere to loan scanning procedures and policies for adherence to separation of duties and quality control of the pertinent loan file documents.
Correctly identify the proper documents for indexing.
Perform file maintenance to ensure quality control of documents and processes.
Maintain a tickler system to ensure that all steps in the loan application and monitoring process are completed in a timely manner.
Monitor and adjust tax and insurance reserves as needed.
Provide administrative support for loan department by responding to routine inquiries for consumer loan account balances and payoff amounts and greeting walk-in customers.
Perform notaries as needed.
Maintain files for the loan department.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Maintain strict confidentiality of customer’s personal and financial information.
Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development.
Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.
Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.
Display excellent customer service with both internal and external clients.
Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.
Position performs other duties as needed/assigned.