Corporate Mortgage Processor III

Glacier Bancorp, Inc.•Bozeman, MT

3h•Onsite

About The Position

The Mortgage Loan Processor III position requires outstanding customer service and communication skills. Mortgage loan processors should have an aptitude in math and excellent time management and organizational skills. Attention to detail is essential. The Mortgage Loan Processor III processes and prepares for closing retail mortgage loans (conventional & government, construction, purchase & refinance, portfolio ARMs) under various loan programs in accordance with policies and procedures. This is a Corporate position which may be located in an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. The entry rate for this position is $24.99 + / per hour (calculated for Kalispell, MT). Click here to learn more about our bank divisions. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. WA Applicants ONLY: Wenatchee, WA range $28.30 to $42.44 an hour. Spokane, WA range $27.91 to $41.86 an hour. Processes mortgage loan applications, ensuring compliance with regulations, policies, and procedures, within the required timeframe. This includes carefully reviewing the loan application to confirm it has been completed, verifying loan information and accuracy of data in Encompass. Performing preliminary income calculation/analysis, and ensuring all documents are reviewed and signatures are in order prior to submission to underwriting. Conducts follow-up on third party service orders to ensure information is received in a timely manner. Generates re-disclosures and change in circumstances as necessary. Satisfies underwriting conditions. Ensures file is complete and all requirements are met for loan to close. Coordinate loan closings including delivery of documents to title/escrow company. Acts as liaison between, originator, underwriter, and closer/funder, to ensure timely closing of the loan, accurate completion of all loan documents, proper and complete signatures, and coordination of closing process. Responsible for mitigating processing related post-closing deficiencies. 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. Must complete the assigned online training courses and achieve a passing score by due date.

Requirements

Outstanding customer service and communication skills.
Aptitude in math.
Excellent time management and organizational skills.
Attention to detail.
High School Diploma / GED.
5 years Mortgage Fulfillment Experience.
4 years Mortgage processing experience.
Expert Experience with loan platform software such as Encompass, and the ability to learn additional computer applications.
Expert Experience with HFA and construction procedures.
Expert Experience with ability to interpret underwriting guidelines and use sound judgment to clear conditions.
Expert Experience with Conventional, FHA, VA, USDA, and construction loan processing and Loan Policy procedures.
Advanced / Specialized Knowledge of Tax returns to review and determine qualifying income.
Advanced / Specialized Knowledge of DU, LP, and Loan Beam applications/results and how to interpret them.
Ability to multi-task and handle complex tasks efficiently.
Strong organizational skills.
Strong analytical skills.
Strong attention to detail.
Trustworthy and possess a significant level of credibility, discretion, and diplomacy.
Team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
Comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Capable of regular, reliable, and timely attendance.
Capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.

Responsibilities

Processes and prepares for closing retail mortgage loans (conventional & government, construction, purchase & refinance, portfolio ARMs) under various loan programs in accordance with policies and procedures.
Processes mortgage loan applications, ensuring compliance with regulations, policies, and procedures, within the required timeframe.
Carefully review the loan application to confirm it has been completed, verifying loan information and accuracy of data in Encompass.
Perform preliminary income calculation/analysis, and ensuring all documents are reviewed and signatures are in order prior to submission to underwriting.
Conducts follow-up on third party service orders to ensure information is received in a timely manner.
Generates re-disclosures and change in circumstances as necessary.
Satisfies underwriting conditions.
Ensures file is complete and all requirements are met for loan to close.
Coordinate loan closings including delivery of documents to title/escrow company.
Acts as liaison between, originator, underwriter, and closer/funder, to ensure timely closing of the loan, accurate completion of all loan documents, proper and complete signatures, and coordination of closing process.
Responsible for mitigating processing related post-closing deficiencies.
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.
Complete the assigned online training courses and achieve a passing score by due date.