Real Estate Loan Trainee

Glacier Bancorp, Inc.•Missoula, MT

1d•Onsite

About The Position

Under the supervision of a Lender, this position is training to become a Real Estate Lender. The trainee will learn to interview customers, perform preliminary credit analysis on real estate loan applications, review documentation, input data into systems, and understand applicable processes, policies, procedures, and regulations. The role also involves promoting bank products and services to enhance customer satisfaction and ensuring compliance with all banking laws and regulations.

Requirements

Two to five years of similar or related experience.
Must maintain an active, current registration with the National Mortgage Licensing System throughout their employment.
Must possess current valid driver’s license.
Working knowledge of standard office equipment.
Skills in computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.
Proven ability to identify cross-selling opportunities and make effective referrals.
Excellent attention to detail, organization skills, and problem-solving abilities.
Strong interpersonal and communication skills, with a focus on customer experience.
Ability to communicate effectively, both verbally and in writing.
Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.
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.
Exhibit a professional manner in dealing with others.
Maintain credibility with others.
Model high standard of honesty, integrity, trust, and openness.
Understand and follow through with appropriate standards of conduct and moral judgment.
Respect others, regardless of individual capabilities, agendas, opinions or needs.
Maintain strict confidentiality regarding any information obtained during performing job duties.
Adhere to guidelines, protocol, policies, and procedures and supervisory directives.
Improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail.
Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
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.
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.
Accept responsibility for own work performance; accept responsibility for own actions and outcomes.
Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement.
Conduct follow-through and meet commitments and agreements in a timely manner.
Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for data analysis.
Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.
Develop feasible solutions based on logical and reasonable assumptions and factual observation.
Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions.
Negotiate with, convince, or influence others to take a course of action to achieve a specific result.
Build networks of useful relationships necessary to achieve positive results.
Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.
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 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.
Close visual acuity to perform activities 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

Bachelor’s degree (preferred degrees: business or finance). An equivalent combination of education and experience may be considered.

Responsibilities

Learn to interview customers and perform preliminary credit analysis on new and existing real estate loan applications to recommend approval or decline.
Learn documentation review, system input, and requirements.
Learn applicable processes, policies, procedures, and regulations.
Develop and maintain good relationships with borrowing customers.
Promote increased customer use of bank products and services to enhance customer satisfaction.
Assist in the origination of loans, ensuring loan applications are complete and processed thoroughly.
Recommend approval or denial of loans based on sound lending policies and a complete review of the application and applicant.
Assist with the post-closing process for construction loans, including conducting inspections, reviewing draw requests, and approving loan draws.
Prepare written loan evaluations for loans exceeding authorized lending limits and present them to a supervisor.
Assist in renegotiating any changes with the borrower.
Submit loan requests in a timely manner to the loan processor.
Maintain contact with individuals involved in loans in process, including customers, bank departments, and title/escrow companies.
Handle loan closings, including scheduling meetings and collecting documentation.
Assist with loan administration, including overdraft monitoring, field audits, financial statement analysis, and monitoring compliance with loan agreements.
Perform periodic review of documentation and collateral for supervisor review.
Monitor past due status on originated loans and may perform collection intervention to prevent loss.
Work with collectors on past dues and delinquencies.
Maintain an active and current registration with the National Mortgage Licensing System throughout employment.
Comply with all company policies and procedures and applicable laws and regulations.
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.
Embody First Security Bank’s “Welcome” tenets.
Be capable of regular, reliable, and timely attendance.
Perform other duties as needed/assigned.