Program Manager – Loan Servicing / Capital Markets Systems (Consulting) SolomonEdwardsProgram Manager – Loan Servicing / Capital Markets Systems (Consulting)Boise, IDRemote$80–$90 / hourThis role will lead complex system implementation efforts across loan servicing, capital markets, and investor/loan accounting functions while partnering with business, technology, and integration leaders to drive execution, manage risk, and maintain alignment across workstreams. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, and collaborative individuals who can help us deliver exceptional client service.
Commercial Loan Servicing Support Specialist Glacier Bancorp IncCommercial Loan Servicing Support SpecialistCoeur D Alene, IDSpecific 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. Since 2015 we have been recognized as one of America's Best Banks, America's Best-In-State-Companies (top holding company), one of America's Best Employers By State, one of America's Most Trusted Companies and one of the World's Best Banks, according to Forbes Best Banks lists.
Commercial Loan Servicing Support Specialist Mountain West BankCommercial Loan Servicing Support SpecialistCoeur D Alene, IdahoSpecific 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. Since 2015 we have been recognized as one of America’s Best Banks, America’s Best-In-State-Companies (top holding company), one of America’s Best Employers By State, one of America’s Most Trusted Companies and one of the World’s Best Banks, according to Forbes Best Banks lists.
Loan Servicing Consumer Clerk Mountain West BankLoan Servicing Consumer ClerkCoeur D Alene, IdahoSpecific 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. Since 2015 we have been recognized as one of America’s Best Banks, America’s Best-In-State-Companies (top holding company), one of America’s Best Employers By State, one of America’s Most Trusted Companies and one of the World’s Best Banks, according to Forbes Best Banks lists.
Commercial Loan Servicing Specialist II-III Washington Trust Bank Wealth ManagementCommercial Loan Servicing Specialist II-IIIMeridian, IDThis role is primarily responsible for the servicing of Commercial loans including but not limited to preparing commercial loan documentation, loan boarding, collateral perfection - including but not limited to; real estate, UCC and titled vehicle secured, processing of related financial transactions, and loan reconciliation functions. Effectively communicate with other departments in the Bank, collaborating with internal and external customers to ensure a successful customer experience.
Loan Servicing Consumer Clerk Glacier Bancorp IncLoan Servicing Consumer ClerkIDDUTIES AND RESPONSIBILITIES: Perform routine loan maintenance duties such as: Process payments Setup and change AFT's CIF changes HELOC checks Waive late fees Correcting/reversing loan payments Provide knowledgeable and friendly customer service to branches and customers when contacted via telephone or email. Since 2015 we have been recognized as one of America's Best Banks, America's Best-In-State-Companies (top holding company), one of America's Best Employers By State, one of America's Most Trusted Companies and one of the World's Best Banks, according to Forbes Best Banks lists.
Customer Service Representative (Loan Consultant II) Lendmark Financial Services LLCCustomer Service Representative (Loan Consultant II)Twin Falls, IDPrepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch. Handle account activities related to collection accounts, including phone calls and face to face communications with customers.
Customer Service Representative (Loan Consultant I) Lendmark Financial Services LLCCustomer Service Representative (Loan Consultant I)Meridian, IDPrepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch. At Lendmark Financial Services, we believe the success of our company is specifically attributable to the quality of our employees and their commitment to our customers.
Mortgage Loan Closer Senior Capital Educators Federal Credit UnionMortgage Loan Closer SeniorMeridian, IDAssists department training for current or new employees by sharing knowledge and expertise of internal procedures, how compliance or other regulations affect processes, and helping employees be confident in job functions relating to Mortgage Processing and Mortgage products and services. - Conduct necessary mortgage loan closings by meeting with members in person or remotely to sign final loan documents, answer questions regarding closing requirements and communicates funding of loan to member.
Commercial Loan Coordinator Frontier Community ResourcesCommercial Loan CoordinatorTwin Falls, IDAs a Certified Development Company \(CDC\) recognized by the U.S. Small Business Administration (SBA), we administer the SBA 504 loan program and several other federally funded loan programs in partnership with the Economic Development Administration (EDA), USDA-Rural Development (USDA-RD), and the U.S. Department of Treasury (Treasury). The Commercial Loan Coordinator supports loan servicing activities, including payment processing, data tracking, and reporting, while ensuring accuracy, regulatory compliance, and a high level of service to borrowers and partners.
Mortgage Loan Processor - Reverse Mutual of Omaha MortgageMortgage Loan Processor - ReverseBoise, IDRemoteFull timeMutual of Omaha Mortgage is a full-service lending company offering both Forward and Reverse Mortgage products including a complete line of residential mortgage, refinancing, specialty, and HECM loans. If you are interested in joining a team that promotes from within and works together toward a common goal of helping customers with their mortgage needs, please review and apply for our opening below!
Loan Operations Specialist Sunwest BankLoan Operations SpecialistMeridian, IdahoBSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT Identity Theft, Information Technology and GLBA. • Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management.
NewLOAN ASSISTANTSPECIALIST AGRICULTURAL U.S. Department of AgricultureLOAN ASSISTANTSPECIALIST AGRICULTURALBlackfoot, ID$40,736–$80,243 / yearGrade-Point Average (G.P.A.) - Applicants must have a grade-point average of either (a) 3.0 or higher out of a possible 4.0 ("B" or better) as recorded on your official transcript, or as computed based on 4 years of education, or as computed based on courses completed during the final 2 years of the curriculum; or (b) 3.5 or higher out of a possible 4.0 ("B+" or better) based on the average of the required courses completed in the major field or the required courses in the major field completed during the final 2 years of the curriculum. Education at the GS-07 grade level: One full year of graduate level education in a field which demonstrates the knowledge, skills, and abilities necessary to do the work of the position, such as: finance, business administration, economics, accounting, engineering, mathematics, banking and credit, law, statistics, or another field related to the position such as agriculture, agricultural economics, farm, livestock, farm management, ranch management, rural sociology, dairy science, domestic agricultural development or agronomy.
Loan Officer Outside Sales Primary Residential CareersLoan Officer Outside SalesMeridian, IdahoOriginates their own sales by contacting prospective clients, · Develops and maintains referral sources, · Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans, · Meets with prospective clients at locations other than PRMI’s offices, e.g., client’s home or other locations, · Meets with clients in person to sell mortgage loan products/packages, · Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts, · Obtains credit information and necessary documentation for application process, · In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads, · Engages in marketing and promotional activities in support of their own sales, · Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc. · Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries.
Remote Mortgage Loan Officer (Idaho) Zillow IncRemote Mortgage Loan Officer (Idaho)IDRemoteThese include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company's reputation. Zillow was named one of FORTUNE 100 Best Companies to Work For in 2025, and included on the PEOPLE Companies That Care 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
Reverse Mortgage Inside Sales Loan Officer Mutual of Omaha MortgageReverse Mortgage Inside Sales Loan OfficerBoise, IDRemoteFull timeAt Mutual of Omaha Reverse Mortgage, Loan Officers are trained to listen and build rapport, in addition to understanding and analyzing the full financial situations of our customers. The Home Equity Conversion Mortgage (HECM) was designed to utilize the equity in the home as a means to assist a peaceful and secure transition to one’s retirement years.
VA Loan Assistant CrossCountry Mortgage LLCVA Loan AssistantMeridian, IDCrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation.
Mortgage Loan Officer - Meridian, Idaho First Federal Savings Bank Of Twin FallsMortgage Loan Officer - Meridian, IdahoMeridian, IDContributes to profit and growth by achieving goals for expense control, profitable product sales and cross-selling bank products and services to maximize relationships; both consumer and business/commercial. Sitting for extended periods of time, requires close visual acuity and the ability to work and operate computer applications and equipment including copy machine, telephone, scanner or other basic business equipment.
Mortgage Loan Officer DL Evans BankMortgage Loan OfficerIdaho Falls, IDFor many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
Mortgage Loan Processor, FT Beehive Federal Credit UnionMortgage Loan Processor, FTRexburg, IDFull timeCounsels the mortgage loan officer on redisclosing the Loan Estimate; draws Closing Disclosure; and facilitates its delivery to the member while meeting time commitments. Headquartered in Rexburg, Idaho, Beehive is a full-service credit union serving members and employees of The Church of Jesus Christ of Latter-day Saints nationwide.
Mortgage Loan Originator U.S. BancorpMortgage Loan OriginatorBoise, IDIn addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.
Loan Assistant I Glacier Bancorp IncLoan Assistant IBoise, IDSpecific 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. Since 2015 we have been recognized as one of America's Best Banks, America's Best-In-State-Companies (top holding company), one of America's Best Employers By State, one of America's Most Trusted Companies and one of the World's Best Banks, according to Forbes Best Banks lists.
Indirect Loan Processing Supervisor - Coeur d'Alene ICCUIndirect Loan Processing Supervisor - Coeur d'AleneCoeur dAlene, IdahoHelp maintain high levels of communication among dealers and internal departments, including establishing relationships with other departments that interact with IL. Work with other management teams within the Indirect Lending vertical as well as the Consumer Lending vertical to ensure consistency and a high level of communication and team work.
Mortgage Loan Officer - Twin Falls ICCUMortgage Loan Officer - Twin FallsTwin Falls, IdahoPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
Mortgage Loan Officer - Idaho Falls (Spanish Preferred) ICCUMortgage Loan Officer - Idaho Falls (Spanish Preferred)Idaho Falls, IdahoPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
Sr Mortgage Loan Officer - Boise ICCUSr Mortgage Loan Officer - BoiseBoise, IdahoPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
Loan Assistant I Mountain West BankLoan Assistant IBoise, IdahoSpecific 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. Since 2015 we have been recognized as one of America’s Best Banks, America’s Best-In-State-Companies (top holding company), one of America’s Best Employers By State, one of America’s Most Trusted Companies and one of the World’s Best Banks, according to Forbes Best Banks lists.
Mortgage Loan Originator U.S. BankMortgage Loan OriginatorBoise, IdahoIn addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.
Commercial Loan Administrator Sr Columbia BankCommercial Loan Administrator SrBoise, ID$23–$35 / hourPartner with the Commercial Relationship Team to obtain and review information required for underwriting, documentation and closing of C&I (Commercial & Industrial), construction and term loans that are complex in nature, as well as all deposit accounts and other services. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.
Mortgage Loan Modification Specialist Idaho Housing and Finance AssociationMortgage Loan Modification SpecialistBoise, IDIn This Role, You Will:** - Prepare, review, and process mortgage loan modification applications, partial claims, and deferments - Ensure all documentation and submissions comply with investor, agency, and state-specific guidelines - Work with legal counsel, title companies, and internal departments to ensure accurate documentation and compliance with regulatory requirements - Track and report on loan modification department pipeline - Analyze financial information, payment processing, and transactions, to determine eligibility and appropriate modification options - Other job duties as assigned Join our team and be part of a company dedicated to helping homeowners navigate financial challenges, improving the lives and strengthening Idaho communities. As a Loan Modification Specialist, you will be responsible for preparing, processing, and executing mortgage loan modifications, partial claims, and deferments in accordance with investor, agency, and state-specific guidelines.
Loan Processor Citizens Community BankLoan ProcessorPocatello, IdahoSpecific 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. A Loan Processor achieves that support by assisting lenders with their loan requests and by providing clerical and administrative support to process and maintain all types of customer loans in addition to other functions.
SBA Loan Specialist Washington Trust Bank Wealth ManagementSBA Loan SpecialistMoscow, ID$66,850–$100,276 / yearExcellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for results and developing working relationships with potential and current clients. Responsible for marketing SBA products/services to identified clients/referrals at the direction of department managers including preparing for joint client meetings and follow-up as necessary.
Senior Mortgage Loan Officer-HLC SIT The PNC Financial Services Group IncSenior Mortgage Loan Officer-HLC SITID$37,440–$44,990 / yearPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Senior Mortgage Loan Officer-Home Lending Center relocation The PNC Financial Services Group IncSenior Mortgage Loan Officer-Home Lending Center relocationID$37,440–$44,990 / yearPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Loan Processor Glacier Bancorp IncLoan ProcessorPocatello, IDSpecific 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. A Loan Processor achieves that support by assisting lenders with their loan requests and by providing clerical and administrative support to process and maintain all types of customer loans in addition to other functions.
Corporate Mortgage Loan Administration Specialist II Glacier Bancorp IncCorporate Mortgage Loan Administration Specialist IIID$21.01–$31.53 / hourGlacier Bancorp's (GBCI) Mortgage Loan Admin Specialist II position is responsible for initiating third party service orders on mortgage loans, ordering and managing appraisal orders through receipt, and reviewing and processing disclosures within established guidelines. Order third party services on mortgage loans to include: certificate of eligibility on VA loans, condo documents, tax transcripts, title commitment, VOE/VOI/VOA, flood certificate, case numbers, payoffs on VA IRRRL loans, CAIVRS, and homeowners' insurance policies.
Corporate Mortgage Loan Review Specialist II Glacier Bancorp IncCorporate Mortgage Loan Review Specialist IIID$24.38–$36.59 / hourLifting: 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. Glacier Bancorp's (GBCI) Mortgage Loan Review Specialist II position is responsible for reviewing, analyzing, and processing adverse action loans within company guidelines, procedures, and regulatory policies.
Mortgage Loan Officer - Idaho Falls (Spanish Preferred) Idaho Central Credit UnionMortgage Loan Officer - Idaho Falls (Spanish Preferred)Idaho Falls, IDPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Physical Requirements: Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
Mortgage Loan Officer - Twin Falls Idaho Central Credit UnionMortgage Loan Officer - Twin FallsTwin Falls, IDPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Physical Requirements: Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
Sr Mortgage Loan Officer - Boise Idaho Central Credit UnionSr Mortgage Loan Officer - BoiseBoise, IDPerform pre-approval analysis of new mortgage applications including, but not limited to: reviewing income documents, asset documents, tax returns, credit reports, Automated Underwriting System findings. Physical Requirements: Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
External Mortgage Loan Officer Deseret First Credit UnionExternal Mortgage Loan OfficerBoise, IDRemoteMust have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports. The Mortgage Loan Officer will be responsible for originating mortgage loans independently without branch assistance, focusing on outbound business development and client management.
Indirect Loan Processing Supervisor Idaho Central Credit UnionIndirect Loan Processing SupervisorCoeur d'Alene, IDHelp maintain high levels of communication among dealers and internal departments, including establishing relationships with other departments that interact with IL. Work with other management teams within the Indirect Lending vertical as well as the Consumer Lending vertical to ensure consistency and a high level of communication and team work.
Business Loan Broker, Boise Planet Green SearchBusiness Loan Broker, BoiseBoise, IdahoWe are seeking driven and entrepreneurial Business Loan Brokers to introduce our funding solutions to business owners and earn commission on successful placements. Our partner is a premier business funding platform dedicated to empowering small and medium-sized enterprises by providing streamlined access to capital.
Loan Officer - Remote Sales Professional Neighbors BankLoan Officer - Remote Sales ProfessionalIdahoRemoteYou’ll play a vital role in helping clients achieve the dream of homeownership by fulfilling our vision of changing the way mortgages are done – by making homeownership more affordable, accessible, and achievable. That means you’ve recently (within the last 5 years) excelled in a role where: You influenced buying decisions from start to finish in complex sales processes – not roles centered on order-taking or passive upselling.
Indirect Loan Underwriter - Coeur d'Alene ICCUIndirect Loan Underwriter - Coeur d'AleneCoeur dAlene, IdahoPerform functions related to credit granting, including interviewing applicants, accepting loan applications, making credit granting decisions, performing credit analysis, reviewing, and analyzing loan applications, loading loan applications on the computer system, loan closings, and similar duties. Ability to resolve sensitive issues/concerns with dealers, members and team members with equity and using the decision-making hierarchy.
Indirect Loan Processor ICCUIndirect Loan ProcessorChubbuck, IdahoPerform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.). Working knowledge of Word and Excel with the ability to write proposals and develop spreadsheets pertaining to department functions.
Part-Time - Consumer Loan Processor - Chubbuck ICCUPart-Time - Consumer Loan Processor - ChubbuckChubbuck, IdahoPerform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.). Working knowledge of Word and Excel with the ability to write proposals and develop spreadsheets pertaining to department functions.
NewPart-Time - Indirect Loan Underwriter - Chubbuck ICCUPart-Time - Indirect Loan Underwriter - ChubbuckChubbuck, IdahoPerform functions related to credit granting, including interviewing applicants, accepting loan applications, making credit granting decisions, performing credit analysis, reviewing, and analyzing loan applications, loading loan applications on the computer system, loan closings, and similar duties. Ability to resolve sensitive issues/concerns with dealers, members and team members with equity and using the decision-making hierarchy.
Indirect Loan Underwriter - Chubbuck ICCUIndirect Loan Underwriter - ChubbuckChubbuck, IdahoPerform functions related to credit granting, including interviewing applicants, accepting loan applications, making credit granting decisions, performing credit analysis, reviewing, and analyzing loan applications, loading loan applications on the computer system, loan closings, and similar duties. Ability to resolve sensitive issues/concerns with dealers, members and team members with equity and using the decision-making hierarchy.
Commercial Loan Officer DL Evans BankCommercial Loan OfficerBurley, IDFor many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.