Loan Servicer/Loan Assistant

Glacier Bancorp, Inc.•Grand Junction, CO

5h•Onsite

About The Position

We are looking for a Loan Servicer/Assistant to join our growing Lending department, upholding our Core Values: Honesty and Integrity, Service to the Customer, Teamwork, Respect for the Individual, and Giving to the Communities We Serve. This position primarily assists Lending Staff with duties related to boarding, collateral tracking, imaging, and creating permanent files for all new loans and changes in terms. It also supports Consumer Lending Staff with documentation and disbursement review, boarding, collateral tracking, lien perfection, imaging, and file creation for new loans and changes in terms. The role provides comprehensive backroom support for all lending functions, general customer service, and completes internal loan service work processes. The successful candidate will assist lenders and loan support staff by demonstrating a mastery level understanding of regulations, bank policy, procedures, loan documentation, and Silverlake usage, acting as a general resource for loan operations.

Requirements

High school graduate or equivalent.
Understanding of loan products and services.
Knowledge of loan processing functions and related requirements and procedures.
Six months to two years of similar or related experience, including time spent in preparatory positions.
High level of understanding of loan products and services.
High level knowledge of loan processing functions and related requirements and procedures.
Ability to communicate effectively verbally and in writing.
Able to prioritize and organize heavy workload(s) and demonstrate effective time management skills.
Ability to work both independently and in a team environment.
Ability to work in a professional manner and consistently demonstrate a high level of courtesy, customer service, and tact in a fast-paced environment.
Must have a high-level attention to detail mindset as well as excellent organizational skill(s) to perform in a fast-paced environment.
Strong typing abilities.
Excellent verbal and written public relations skills.
Able to operate calculator, word processor, and related computer applications.
Must be well organized.
Requires a high level of customer service skills.

Nice To Haves

High level or banking knowledge desired.

Responsibilities

Responsible for boarding loans onto the core system
Boards new loans and change in terms according to procedures with accuracy.
Balance loan transaction and disburse funds according to loan documentation.
Verify that all invoices related to the loan have been sent for payment.
Make corrections needed timely.
Responsible for Collateral Tracking
Sets up Collateral Tracking for all new loans and changes in terms.
Sets up Collateral Tracking according to covenants listed on loan documentation.
Reviews Collateral Exception Report at least weekly to help the Consumer Lending Team update and clear items.
Updates data on Collateral Tracking according to procedure when items are received. (i.e., lien perfection, cancellations, weekly notes, etc.)
Follow up with lender for any outstanding exception items and make notes regarding the estimated amount of time to clear exception.
Responsible for Lien Perfection
Complete lien perfection for loans as soon as loan closing is complete. This may include vehicles, UCC, Real Estate, etc.
Order Tax Service on all consumer real estate loans.
Complete FHLB second review on all consumer real estate loans.
Reach out to title companies or local county when issues arise with lien perfection.
Responsible for accuracy and timelines of all Images scanned to the Synergy System.
Proficient in the utilization of Loan Doc Manager with nCino.
Promptly log and prepare to scan all new loans or change in terms documents upon receipt at the Loan Operations Center.
Complete the review and validation of all new loan documentation or change in terms documentation.
Update collateral tracking on Xperience to show up on collateral exception report.
Review all images for proper sizing, orientation, resolution, and overall quality while adhering to ECM verification guidelines.
Convert digital files to format acceptable to the Synergy System.
Meets minimum scanning productivity and quality expectations.
Check loose imaging folder regularly and upload documents to file.
Keep imaging logs and interoffice mail longs current.
Check adverse action log regularly to complete ECM verification of imaged files.
Responsible for the tracking of documentation from all loan originations.
Tracks all new loans and change in terms from booking date until the loan file and original documents arrive at Loan Operations Center for hard file.
Manage the Imaging Log to ensure documentation from all offices is received by Loan Operations Center.
Communicates with Lender & Loan Assistant if new loan or change in terms file is not received at loan operations center within the timeframe established by management.
Responsible for Documentation Storage
Creates hard file for original critical documents to be retained in the Loan Operations Center files. These files are to remain in locked, fireproof cabinets with dual controls for entry.
Retain non-critical paper documents for six months after imaging, then have them properly destroyed.
Responsible for providing effective support for all phases of loan processing activities and promotions.
Accept loan payments from customer and create a ticket using an accurate transaction code to post the entry to the appropriate loan.
Receive requests from borrowers to advance funds from lines of credit and accurately creates ticket entry.
Perform loan maintenance as required.
Receive and forward telephone calls. Answer routine questions and/or direct them to the appropriate personnel. Records and relays any messages taken.
Complete all loan processing duties in accordance with established policies, procedures, and regulations.
Establishes and maintains effective coordination and communication with area personnel, management, customers, and external contacts.
Completes assigned paperwork for management and lenders. Completes records and reports promptly and accurately.
Supports and assists area personnel as needed.
Maintains departmental files.
Attends and participates in meetings as required.
Keeps management informed of area activities and or any significant problems.
Resolves (or refers) requests and problems promptly and courteously. Answers customer questions pertaining to their loans and provides balances and payoff as requested.
Keeps customers properly informed of BSJ/Glacier Bancorp policies and procedures.
Maintains and conveys BSJ’s professional reputation.
Responsible for related duties as required or assigned.
Performs miscellaneous functions as needed, such as various clean-up projects on core system.
Ensures work area is clean, secure, and well maintained.
Be available to notarize borrower/grantor signatures if necessary.
Process paid loans.
Process loan participation payments.
Reviews incoming mail and images if needed.
Monitor email boxes and respond to requests in a timely manner.
Complete Pre-Closing Documentation Review for all Consumer Loans.
Complete Disbursement Review in a timely manner when received to the Loan Servicer email group.
Respond to message received from the call center to assist loan customers.
Complete Loan Transfers according to procedure with proper verification.
Monitor wire emails, apply accordingly.
Provide professional service to customers and answers phone calls.
Serve as support to peers.
Must 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.
Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be capable of regular, reliable, and timely attendance
Adhere to Bank of the San Juans Company Core Values.
Keeps management appropriately informed of area activities and of any significant problems.
Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
Additional duties as requested or assigned.
Must 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.
Complete required bank and OnCourse training courses within assigned timeframe(s).

Benefits

Extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance.
Coverage is available to employees and their eligible dependents in accordance with our written plan documents.
You may also be eligible for a health savings account option.
An Employee Assistance Program (EAP).
A health rewards program.
A retirement savings plan, including 401(k) and Profit-Sharing plans.
Short and long-term disability benefits.
Education and training benefits.
Discounts on banking products and services.
A generous Paid Time Off (PTO) plan.
Paid holidays.
PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees.
PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy.
Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays.
In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays.