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Whitefish Credit Union LOAN ASSISTANT in Kalispell, Montana

Position title: Loan Assistant

Organizational relationships: VP / Mortgage Loan Supervisor

Supervisory Responsibilities: N/A

General Functions: Under direct supervision, assist Mortgage Loan Originators with variety of tasks in order to ensure smooth and profitable operations of Mortgage Loan Originator. Gather all types of financial and other information from members and outside agencies for analysis and underwriting of consumer loans.

Position Functions:

  • Maintain member confidentiality for all documentation and records.

  • Conduct closing with borrowers in Loan Originators absence, including reviewing documents with members as well as obtaining all required signatures in the appropriate areas.

  • Request and follow-up on homeowner’s insurance, homeowner’s association insurance and flood insurance, as well as verification of mortgagee clause information and loan number.

  • Notary Public for the State of Montana.

  • Assign Point of Sale (online applications) to requested loan originators or to a loan originator that works in the area of subject property for better accessibility for the member.

  • Thoroughly explain the loan process to members so they understand the time frame of the application of their loan.

  • Answer questions related to the various disclosures that are sent to members.

  • Obtain property information such as property tax and Montana cadastral information.

  • Prepare checks, journal tickets, etc. for loan processing.

  • Prepare document requests to send to Quality Assurance department with all applicable verifications for modification requests, balloon renewals and term extensions.

  • Send to members the appropriate documents to open an account with the Whitefish Credit Union and ensure all forms are filled out correctly with complete information, including wire transfer forms and additional password requirements.

  • Prepare and review loan files and evaluate for completeness.

  • Create loan files: follow up on loan document exceptions and issues.

  • Order appraisals from ARD as requested by Originator.

  • Answer phone and greet walk-in members in a competent and professional manner. Direct all inquiries to appropriate personnel and take messages for originators.

  • Coordinate meetings for Mortgage Loan Originators; prepare internal documents and reports; type letters and meeting minutes.

  • Prepare credit information for use by Mortgage Loan Originators, address any discrepancies relating to Red Flags and detail action taken in the form of a loan note.

  • Assist members and employees with questions and problems, and perform other duties and special projects according to Supervisor requests and departmental needs.

  • Advance member lines of credit, including filling out journal tickets, waiver of lien forms and construction draw requests.

  • Follow up on issues relating to debit/credits to Member accounts as requested by the customer or the responsible Mortgage Loan Originator.

  • Scan and upload documents to the correct categories of the imaging system in preparation for assignment to loan underwriting and loan processing.

  • Adhere to all Whitefish Credit Union policies and procedures.

  • Report to work on time and as scheduled.

  • Perform other duties as assigned.

Position Requirements:

  • Ability to organize and prioritize multiple projects, multi-task, and work in stressful situations without direct supervision from time to time

  • Excellent verbal and written communication skills

  • Ability to follow oral and written instructions

  • The ability and willingness to work with a variety of general office equipment including Excel, Word and Vision software; as well as typing, keyboarding and 10- key skills.

  • Reliable transportation as meetings can occasionally take place at a different location.

Required Education and Experience:

  • High school diploma required

  • 3-5 years banking experience required

  • Basic knowledge of consumer, real estate and commercial loan required

This job description is to be considered a general outline of the duties and responsibilities of this position and is subject to changes and revisions by management at any time. Responsibilities are listed as guidelines only and the job is not necessarily limited to these specifications.