Consumer Loan Support Specialist bei First Security Bank Bozeman

Under general supervision of the Consumer Loan Manager, conformance with established policies and procedures the Consumer Loan Support Specialist will provide direct assistance to the lenders with loan portfolio administration and provide backup support to the Processors. Loan administration will include, but is not limited to, providing information to callers, responding to correspondence, and providing clerical support. The Consumer Loan Support Specialist will assist the Consumer Lenders and Processors with new loan applications, collateral documentation, and other necessary documentation.

DUTIES AND RESPONSIBILITIES:

• 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.
• Represent First Security Bank 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.
• Perform a second review on all denied loans in accordance with bank policies and procedures.
• Perform a review on all loans that are not originated, which includes incomplete, approved not accepted, and withdrawn applications.
• Enter accurate HMDA data in DecisionPro.
• Setup virtual folders appropriately so loan files can be scanned to Synergy.
• Work with Consumer Lenders, Loan Processors, title companies, and motor vehicle departments at the state and county level to perfect our lien position and limit the bank’s risk.
• Prepare loan packages for boarding & work closely with the Loan Servicing Team to efficiently close loans in a timely manner.
• Complete all required loan checklists.
• Work loans maturing list to ensure loan is paid or refinanced by the loan maturity date.
• Work past dues list and contact customers for payment. Document notes in enhanced collections. Keep current with all lending and collections (federal and state) regulations.
• Work exception lists, including collateral exception list and obtain proper documentation and perfect bank’s lien position in a timely manner.
• Give direction to appropriate staff for review of loan package prior to final loan documents being prepared & printed.
• Backup Lenders:
  • Assist branch employees with consumer loan applications and information collection from potential consumer borrowers.
  • Meet with loan customers, provide product information, rates, fees, and terms, and obtain a completed loan application and collect all required loan documentation for a specific loan product.
  • Assist Consumer Lenders with ordering title commitments, evaluations, & provide all necessary disclosures to the applicant(s).
  • Review loan files for financial statements, income verification, cash flows, title commitments, and appraisals/evaluations prior to loan closing.
  • Must maintain a working knowledge of cash flows and Credit Authorizations and assist with completion of these documents as requested.
  • Back-up Consumer Lenders and process loans as needed in the Consumer Loan Origination System. Pull credit reports, verifies information, and underwrites the loan request pursuant to bank policies, procedures, and regulations.
  • Properly counsel applicants, analyze financial and related data, determine appropriate pricing and loan structure.
  • Document all loan files with comments and conversation logs.
  • Perform collateral analysis on all secured consumer loans. Perform inspections on collateral as needed.
  • Communicate with branch employees on any loan decisions, coordinate loan closings with the applicants and branch employees, provide branch employees with proper closing instructions and ensure all loan documentation is received prior to loan closings.
  • Close loans with customers as needed.
• Position will require Consumer Loan Support Specialist to obtain an NMLS Number assigned by the Nationwide Mortgage Licensing System & Registry, as required by law.
• Obtain a notary commission and be responsible for upholding state notary laws. Keep current on your legal duty to the state and adhere to the law and record-keeping requirements.
• Keep 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 First Security Bank.
• Complete required bank and OnCourse training courses within assigned time frame(s).
• Attend and participate in meetings as required. Participate in all consumer loan meetings and understand the information provided and communicate the topics to other employees.
• The preceding job description indicates the general nature and level of work performed by this position and does not contain all duties and responsibilities.  Must perform additional duties as assigned.
• Regular and predictable attendance to accomplish job duties and provide in-person contact with customers.

Employees are required to actively use the service pledge in all customer encounters.

                          Service Pledge:          

                                                Smile

                                                Eye Contact

                                                Refer to Customer by name

                                                Viable Options

                                                Instant Acknowledgement

                                                Customers Always Come First

                                                End with “Thank you”

QUALIFICATIONS:

• High school diploma or equivalency.
• Desire a minimum of 1 year banking experience in related job field.

KNOWLEDGE, SKILL, ABILITY:

• Knowledge of company loan products and services. Ability to ensure compliance with all regulatory requirements and company policies.
• Knowledge of state and federal lending regulations. In-depth knowledge of all applicable federal and state regulations, including Regulation B and Regulation Z that implements the Truth in Lending Act (TILA) and Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).
• Proficiency with use of personal computers and associated software, including Word and Excel. Typing accuracy and speed of at least 50 words per minute. Operate other office machines such as photocopiers, scanners, and calculators.
• Communicate technical information, both verbally and in writing. Excellent written communication and editing skills. Follow written and oral instructions. Anticipate, identify, and resolve problems.
• Must possess exceptional grammar, punctuation, and spelling with a meticulous attention to detail. Proficient in editing and proofreading with the ability to produce high-quality, error-free content.
• Maintain a positive, personable, and professional demeanor when interacting with customers and team members. Exemplify a professional and welcoming attitude in all internal and external communication. Collaborate effectively with colleagues in a supportive and respectful manner. Handle all client interactions with courtesy and a positive, solution-oriented mindset.
• Work well under pressure and demonstrate the ability to manage time and meet deadlines in a fast-paced environment.
• Demonstrate ability to exercise sound judgment in handling confidential and sensitive information.
• Work independently and as an active team member by sharing and accepting suggestions and ideas.
• Job requires operation of a motor vehicle. You must, as a condition of employment, maintain a valid driver’s license and driving record acceptable to our insurer.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. 

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 situation.

Specific lifting abilities required by this job include: The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

Specific vision abilities required by this job include: 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.

Must be capable of up to 15% travel (e.g., 3.5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an 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, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and 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. Visit our website for more details.  Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.