About The Role
Summary
The Mortgage Loan Processor II 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. The Mortgage Loan Processor II 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 at an available bank division location in Eastern Washington or Coeur d' Alene Idaho. The mid-point for this position is $24.92 + /hour (calculated for /Coeur d' Alene, ID). Job offers will be based on experience and geographical location.
Description
•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.
•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.
•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.
About You
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education
Required/Preferred
Education Level
Description
Required
High School Diploma / GED
Experience
Required/Preferred
Experience Level
Description
Required
2 years of Mortgage Fulfillment experience
Required
1 year
Mortgage Processing experience.
Required
Advanced Experience
Loan platform software such as Encompass, and the ability to learn additional computer applications..; HFA and construction procedures.
Required
Advanced Experience
Ability to look up underwriting guidelines with good understanding of them.
Required
Advanced / Specialized Knowledge
Conventional, FHA, VA, USDA ,and construction loan processing and Loan Policy procedures.
Required
Knowledge Of
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
License/Certification
Required/Preferred
License/Certification
Description
Required Skills and Abilities
•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.
Additional Requirements
Travel
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.
Working Conditions
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.
Vision
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.
What We Offer
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, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!
COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. 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.