Consumer Loan Closer II

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal .

This position may be located at our Billings, MT Downtown Tower, Sioux Falls, SD Downtown, Boise, ID W. Myrtle, Omaha 93rd & W. Dodge, Bend, OR Moss Commercial Banking Center, or Spokane Downtown locations

What’s Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Child Care Assistance Program for eligible dependent(s).
• Exercise reimbursement program for employees.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Consumer Loan Closer II is responsible for completing all due diligence associated with the satisfaction of approval and collateral lien perfection conditions prior to the preparation of loan closing documents. This position will ensure all conditions and due diligence items are cleared for the preparation and processing of loan documents for approved loan requests.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Reviews the credit approval for loan closing conditions, appropriate lending authority, and lien perfection requirements.
• Orders and obtains required due diligence items from all submission points including branch, customers, internal groups, or 3rd party vendors (Due diligence items include title commitments/title searches, UCC searches, evaluations or real estate appraisals, flood determinations, proof of insurance documents, surveys, entity documents, etc.).
• Interacts with Underwriter, as required, to ensure satisfaction of approval conditions before closing.
• Monitors work queues for loans-in-process to promptly follow-up on vendor documents ordered, information requested from sales or the customer, confirmation of closing date, etc.
• Interacts and communicates on an ongoing basis with all bank partners including, sales, underwriters, documentation preparation, title companies, attorneys, flood vendors, other 3rd party vendors, etc. to ensure loan closing requirements are understood and satisfied.
• Establishes and maintains an effective and open dialogue with sales personnel to communicate loan status and obtain responses to questions or other needed information.
• Ensures all due diligence information is properly documented and appended to the imaging system (may occur through the LOS).
• Meets all established Service Level Agreements (SLAs).
• Prepares Loan documentation.
• Coordinates efforts to establish closing date, time, and place with all parties including customer, attorneys, title companies and sales personnel.
• Prepares loan documents, the Loan Closer accurately determines the documentation required for various loan products.
• Reviews closing documentation for completeness based upon proper approvals and information provided.
• Safeguards critical loan documents and possessory collateral as needed, and ensures acceptable quality of imaged legal files and adherence to record retention guidelines.

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.

KNOWLEDGE, SKILLS AND ABILITIES

• Strong computer skills with demonstrated knowledge of Microsoft Excel, Word, and Outlook.
• Strong understanding of consumer loan products.
• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before groups of customers or employees of organizations.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

EDUCATION AND/OR EXPERIENCE

• High School Diploma or General Education Degree (GED) required
• Bachelor's Degree preferred
• 4-6 years experience in a financial institution with a focus on due diligence and/or loan documentation required
• Experience in an automated loan origination environment preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
• Lifting - Occasionally (up to 10 lbs)
• Sitting - Frequently
• Overtime - Subject to business need
• Noise Level - Moderate
• Typical Work Hours - M-F (8-5)
• Regular and Predictable Attendance - Required

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $23.61 to $35.42 per hour in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Benefits include, but are not limited to, medical, dental, vision, short- term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. Please note this information is provided for those hired in Colorado and Washington only, and this role is open to candidates outside of Colorado and Washington with compensation that aligns with your location. For more information regarding our benefits, please visit

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal .