Commercial Loan Processor

Administrative Loan Processor

One position available; can be located in Missoula or Hamilton.

Position Overview

Position provides administrative support to work unit, in addition to performing duties associated with loan processing, such as preparing, processing, disbursement, and maintenance approved for new loans as well as renewals/modifications to existing loans according to company procedures and guidelines. As assigned/designated, may perform and/or provide backup of specialized duties associated with managing flooring lines of credit.

Duties and Responsibilities

Prepare new and renewal loan documents and correspondence including letters, memoranda, and various forms and reports in rough draft and final draft form for the lending staff. Proofread for accuracy and correct errors. Prepare loan file with all appropriate documentation. Meet with lenders regularly to discuss Credit Authorizations and Loan Checklists to determine type of loan and prep work needed. Prepare all LaserPro and supporting loan documents, check for accuracy and correct errors. Prepare the loan file with due diligence loan documentation. Assist officer in the preparation of information for the loan committee.

Complete due diligence to validate information required for loan/collateral documentation prior to and after loan closings; correspond with various vendors to obtain and/or conduct review of corporate and collateral documentation. Order title searches/commitments and/or complete UCC and other lien searches, appraisals, credit reports, OFAC, certificates of existence, registered principals, flood determinations, environmental reports to check for accuracy, completeness, and compliance with loan approval guidelines and internal policies. Prepare all collateral documents and changes, transfers of equity, lien filings, and deeds of trust, update files/records internally and with the State and County.

Identify, input, and maintain outstanding collateral and financials items in tracking system to ensure follow-up items are being reported, tracked, and resolved. Maintain communication with lenders weekly or as needed to ensure lenders and/or customers are aware of any documentation exceptions.

Prepare tickets, wires, and checks for disbursement of funds when loans closed. Process loan information and debit/credit forms to be entered on books and on computer system. File all collateral security items with the designated vendors and CIF level maintenance; update/verify BSA required information including Beneficial Ownership. Prepare compliance and/or data integrity documents such as BSA, SLTV, FHLB, Officer Comments, CRA, and HMDA.

Process paid notes and ensure collateral is not used for any other loan before releasing collateral and applicable insurance with vendors. Prepare lien releases and applicable correspondence, update Collateral Tracking, and update Synergy and/or paper file with appropriate documentation. Perform file maintenance to ensure quality control of documents and processes. Responsible for scanning and archiving, indexing, and verifying all loan documents into database.

Respond to customer requests and credit inquiries in a courteous and timely manner; answer phones and greet walk-in customers promptly and courteously. Assist with questions/problems concerning loans such as loan histories, account/billing statements, transfers, and loan payments. Process mail when needed. Perform Notary services for loan closings as well as walk-in traffic as requested. Complete correspondence upon request and within prescribed time. Provide assistance/backup to other areas in the department whenever needed.

May process construction loan draws including sending draw requests to title company and/or lender for review, review completed inspections, process draw payments via check, transfer, or wire, and collect lien waivers and releases.

Essential Functions

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. Maintain strict confidentiality of customer's personal and financial information.

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse training courses and achieve a passing score by due date.

Adhere to First Security Bank's core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive 'can-do' attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.

Display excellent customer service with both internal and external clients. Embody First Security Bank's "Welcome" tenets:

• Warm Demonstrate warmth; be genuine and approachable
• Engage Engage with teammates and customers; be present in every interaction
• Listen Actively listen to employees and clients
• Connect Build relationships, connect with the community and teams
• Opportunity Seek out opportunities to serve others
• Modify Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate
• Experience Create a true experience for the client by providing exceptional customer service on their financial journey

Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.

Position performs other duties as needed/assigned.

Qualifications

A high school degree or GED is required.

One year of similar or related experience.

Knowledge, Skills, Abilities

Working knowledge of standard office equipment. Skills in areas related to computer operations/use including working knowledge of Microsoft applications and ability to learn new systems/applications.

Ability to effectively follow written and oral instructions; work well under pressure in fast-paced environment; work both independently and in a team environment.

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all customers in a polite and courteous manner.

Customer Service: we are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.

Teamwork: demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgement; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.

Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.

Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.

Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.

Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable,