Corporate Mortgage Processor II

Glacier Bancorp, Inc. (GBCI) is a regional bank holding company providing commercial banking services in 80 communities through 129 banking offices in Montana, Idaho, Colorado, Utah, Washington and Wyoming. GBCI offers an extensive benefits package that includes, but is not limited to, medical, dental, vision, life insurance; retirement plan including employer match and profit sharing; paid vacation, holiday and sick leave. Salary is negotiable depending upon relevant experience.

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 across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. The entry-rate for this position is $21.83 + /hour (calculated for Kalispell, MT)

WA Applicants ONLY: Spokane, WA range $24.38 to $36.59 an hour. Wenatchee, WA $24.72 to $37.09 an hour.

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

• 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.
• 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.
• 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.
• 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.

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

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,

... For full info follow application link.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.