Corporate Mortgage Processor III at Glacier Bancorp

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. 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 Pocatello or Twin Falls, ID.

The mid-point for this position is $28.68 + / per hour, (calculated for Kalispell, MT). 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.

Description

% of Time Spent

·         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.

55%

·         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.

35%

·         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.

10%

·         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.

Required/Preferred

Education Level

Description

Required

High School Diploma / GED

Required/Preferred

Experience Level

Description

Required

5 years

Mortgage Fulfillment Experience.

Required

4 years mortgage processing experience.

Required

Expert Experience

Loan platform software such as Encompass, and the ability to learn additional computer applications; HFA and construction procedures.

Required

Expert Experience

Ability to interpret underwriting guidelines and use sound judgment to clear conditions.

Required

Expert Experience

Conventional, FHA, VA, USDA ,and construction loan processing and Loan Policy procedures.

Required

Advanced / Specialized Knowledge

Tax returns to review and determine qualifying income.

Required

Advanced / Specialized Knowledge

DU, LP, and Loan Beam applications/results and how to interpret them.

Would an equivalent combination of relevant education and work experience be considered?:  No

Required/Preferred

License/Certification

Description

·         Ability to multi-task and handle complex tasks efficiently. Strong organizational skills.

·         Strong analytical skills.

·         Strong attention to detail.

·         Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.

·         Employee must be a 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.

·         Employee 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.

·         Employee must be capable of regular, reliable, and timely attendance.

·         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.

Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Environment:  Indoors, a climate-controlled shared work area.

Noise Level:  Moderate noise; not extreme or excessive; within reasonable limits.

Lifting:  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.

Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.

Physical Activities

Frequency

Balancing: Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces.

Infrequent – rare.

Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms.

Infrequent – rare.

Crawling: Moving about on hands and knees or hands and feet.

Infrequent – rare.

Crouching: Bending the body downward and forward by bending leg and spine.

Infrequent – rare.

Feeling: Perceiving attributes of objects such as size and shape, temperature or texture by touching with skin, particularly that of the fingertips.

Infrequent – rare.

Fingering: Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand as in handling.

Daily.

Grasping: Applying pressure to an object with the fingers and palm.

Infrequent – rare.

Kneeling: Bending legs at knee to come to a rest on knee or knees.

Infrequent – rare.

Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position.

Infrequent – rare.

Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward or outward.

Infrequent – rare.

Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.

Infrequent – rare.

Repetitive Motion: Making substantial movements (motions) of the wrists, hands, and/or fingers.

Daily.

Stooping: Bending body downward and forward by bending spine at the waist.

Infrequent – rare.