Community Loan Closer II

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

This position may be located in Billings MT, Bend OR, Boise ID, Omaha NE, Sioux Falls SD, or Spokane WA.

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 Community Loan Closer II serves as the primary point of contact for all Community (Consumer and Small Business) loan closing activities related to approval conditions. This role proactively interacts with branch personnel, multiple internal business lines, and third-party vendors (e.g., title companies, insurance agents, and attorneys) while working with limited supervision. The position effectively communicates with all parties to facilitate the timely collection of loan documentation and ensure compliance with underwriting standards, bank policies, regulatory requirements, and applicable laws.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Reviews credit approvals to ensure loan closing conditions, lending authority requirements, and lien perfection requirements are satisfied for Small Business and Consumer loans.
• Orders and obtains required due diligence items from all submission sources, including branches, customers, internal groups, and third-party vendors. Due diligence items may include title commitments/title searches, UCC searches, evaluations or real estate appraisals, flood determinations, proof of insurance, surveys, entity documents, and other required documentation.
• Interacts with underwriters, as needed, to ensure approval conditions are satisfied prior to closing.
• Monitors work queues for loans in process and promptly follows up on ordered vendor documents, requested information from sales personnel or customers, closing date confirmations, and other outstanding items.
• Communicates and collaborates regularly with bank partners, including sales personnel, underwriters, documentation preparation teams, title companies, attorneys, flood vendors, and other third-party vendors, to ensure loan closing requirements are understood and satisfied.
• Establishes and maintains effective, open communication with sales personnel to provide loan status updates and obtain responses to questions or requests for additional information.
• Ensures all due diligence documentation is properly recorded and uploaded to the imaging system (which may occur through the Loan Origination System [LOS]), including regulatory information such as HMDA data.
• Meets all established Service Level Agreements (SLAs).
• Prepares loan documentation for Small Business and Consumer loan products.
• Coordinates closing dates, times, and locations with all parties involved, including customers, title companies, and branch personnel.
• Reviews closing documentation for completeness and accuracy based on approved terms, conditions, and supporting information provided.

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

• 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 communicate effectively with groups of customers, employees, and other stakeholders.
• 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 identify problems, collect and analyze data, establish facts, and draw valid conclusions.
• Ability to interpret a wide variety of technical instructions presented in written, mathematical, or diagrammatic form and effectively manage multiple abstract and concrete variables.
• Ability to communicate and work effectively with diverse groups of individuals and varying personality types.

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 $21.46 to $32.20 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 Washington only, and this role is open to candidates outside of 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 .