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Western Security Bank RE Loan Assistant in Billings, Montana

About The Role Western Security Bank is recruiting for a Real Estate Loan Assistant for our Grand Ave branch. NATURE AND SCOPE OF POSITION: A single incumbent position reporting to the Real Estate Manager. Will take daily workflow direction and training from assigned Mortgage Loan Originator. Will work directly with the MLO and with a cross functional, real estate processing team, to assist the with processing and underwriting RE loans to meet closing deadlines that meet regulartory guidelines. Will work directly with Mortgage Loan Originators, realtors, loan customers and processing department members on a daily basis. Must have the ability to meet critical deadlines, effectively prioritized tasks at hand, have a high degree of detail orientation as well as customer service skills that promote the vision and mission of WSB. DUTIES AND RESPONSIBILITIES: TECHNICAL DUTIES Responsible for a variety of tasks regarding loan applications; including pulling credit, running LP and DU, sending VOE's/VOD's, loan input into ENCOMPASS, etc. Responsible for input of Real Estate applications into ENCOMPASS with a high degree of accuracy. Assists MLO by printing out application and disclosure packages. Prepares documents for borrower signatures. Responsible for ordering titles and appraisals as well as follow up with title companies for timely receipts. Responsible for making sure milestones are met in Encompass to push the file to the processor. Review that all boxes are checked correctly. Schedules times and dates for closings. Corresponds with borrower on scheduled times and dates. Corresponds with MPC, realtors and title company for closing. Works with the processing team to get any or all conditions cleared for closing, Preliminary and Underwriting. Mails out folders with applications or emails application packages to new prospects. Assists Originator by keeping them informed in a timely manner and assisting in duties as assigned. Goes to borrowers closing if the originator is not available. Responsible for any loan disclosure or regulatory items reviewed by another WSB MLO before proceeding. On construction loans, compares draw on remaining balance, double checks the invoices against the draw sheet from the builder, in puts the draw on the spreadsheet used for the construction files to track the percentage of the home is complete. Processes all construction draws and orders all inspections on construction. Gets draw ready to go to the WSB personnel that signs off on the check for the draw. Responsible for keeping construction loan draw files up to date with all approval paperwork, appraisals, cost sheets , inspections, ect. to ensure that file is ready at all times for an exam. Processes the file to push to the MPC by working through the Assistant checklist to make sure all items are in the file. Prepares and sends various correspondences including Pre Qualifying letters, thank you cards to customers and realtors, etc. Assists in Marketing activities including Lunch Bunch, retention program, etc. Prepares the Closing Document Request accurately for MLO to review on all files. Calls borrowers to ask for additional information Assists with all files for MLO through closing. Assists Underwriter with questions and conditions on each file. Assists Realtors with questions and concerns on files.New file responsibilities include reading the Automated Underwriting Certificate for LP/DU/GUS for required documentation and accuracy of information. Marking condition fulfilled for preliminary and underwriting conditions. Responsible for Denied and Withdrawn.Works in conjunction with MPC on follow-up documentation and signatures after closing.Helps prepare and emails cost sheets to borrowers that are wanting information on payment/closing costs. Prepare a pricing quote through Optimal Blue for borrowers to price loans.Verify underwriting system (LP, DU, GUS,) ratios match Encompass. Analyzes income from paystubs, W-2's utilizing the income worksheet. Looks for stability, declining income and alerts Loan Originator to discrepancies or concerns. Completes Tax Analysis form (SAM) for self employed borrowers using their tax returns for the income input to Encompass. If there are discrepancies or concerns, alerts Loan Originator. Completes Homestart documentation and the income calculation worksheet. Works through any issues Homestart may have with the calculations. Responsible for getting packages ready for Neighbor Works, Down Payment Assistance, and City of Billings down payment assistance requirements. Responsible for increasing loan program knowledge and knowing the difference between FHA, Conventional, VA, RD. Begin to access All Regs for regulatory and secondary market requirements. Learn to navigate this application. Serves as a leadership resource for supervisor/manager. Acts as a resource for department memebers and new employees. Actively trains and coaches Loan Assistant I team memebers. Assist Loan Originator on filling out profitability and productivity reports monthly. CUSTOMER RELATIONS Performs initial and on-going customer contact duties that promote timely, knowledgeable and friendly interaction with the customer including greeting the customer, setting up appointments, answering the phone, taking accurate messages, returning calls, scheduling appointments, etc. Acts as the primary customer contact for customers requesting information on existing Real Estate loans, loans in process or those customers wanting product information. Is knowledgeable on all aspects of the Real Estate loan process. Can communicate requests and product information in a manner that is understood by the customer. Responsible for modeling the behaviors that make a customer feel valued when using WSB services in person or over the phone. Make all customers feel welcome and at ease by treating them in a friendly and courteous manner. Research account/loan information for customers and demonstrate that you are interested in their business. Discover the customer's problems, needs and objectives by making observations, listening and asking questions. MISCELLANEOUS DUTIES Actively participate in WSB continuing education Responsible for fulfilling the missions statement: "I will exceed the expected." Acts as a team member within the Branch and the Real Estate group by assisting with coverage in key areas and actively cross-training. 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 all assigned BVS Courses. Other duties as assigned. \*NOTE: Only minimum duties are listed. Other responsibilities may be required as requested by Management. About You QUALIFICATIONS: High school diploma or general education degree (GED) required. One to three months mortgage related experience and/or training preferred. Equivalent combination of education and experience KNOWLEDGE, SKILL, ABILITY: Ability to foster and maintain a working relationship with the title company representatives, new and existing WSB customers and realtors. Ability to read and understand simple Notes. Knowledge of and ability to understand all loan codes. Working knowledge of modern office practices and procedures. Working knowledge of Microsoft Office Ability to use listed tools and equipment. Ability to understand and follow written and oral instructions Ability to communicate effectively verbally and in writing. Ability to establish and maintain effective personal working relationships with peers and supervisors. Ability to read and interpret documents such as safety rules, operating and maintenance instructions and procedure manuals. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations 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. The employee may also be required to: 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: 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. What We Offer COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays. COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you. Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength. 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, age, 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.
QUALIFICATIONS: High school diploma or general education degree (GED) required. One to three months mortgage related experience and/or training preferred. Equivalent combination of education and experience KNOWLEDGE, SKILL, ABILITY: Ability to foster and maintain a working relationship with the title company representatives, new and existing WSB customers and realtors. Ability to read and understand simple Notes. Knowledge of and ability to understand all loan codes. Working knowledge of modern office practices and procedures. Working knowledge of Microsoft Office Ability to use listed tools and equipment. Ability to understand and follow written and oral instructions Ability to communicate effectively verbally and in writing. Ability to establish and maintain effective personal working relationships with peers and supervisors. Ability to read and interpret documents such as safety rules, operating and maintenance instructions and procedure manuals. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations 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. The employee may also be required to: 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: 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.
COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays. COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you. Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength. 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, age, 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.

•We are an Equal Opportunity Employer.
•Please view Equal Employment Opportunity Posters provided by OFCCP here.

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