Careers

Position Location

Billings, Montana

Major Duties and Responsibilities

• Responsible for real estate loans, including secondary market loans, portfolio loans, construction and equity loans
• High level of computer literacy
• Basic knowledge and ability to use banks core operating system
• Engage in marketing efforts to increase business, client & referral business
• Strong analytical skills, combined with sound judgement and decision-making abilities
• Obtain and analyze financial and credit data
• Work with the processors and underwriters to facilitate the quick and smooth closing of all transactions
• Utilize lock desk specific to loan programs and ensure pricing conforms to Mortgage Loan Committee
  
• Ensure compliance to applicable regulations and keeps up to date on all changes in real estate regulations and lending requirements
• Participate in community events and service
• Cross sell other bank products and services
• Attend training and bank meetings to stay up to date on FHA/VA/USDA/Conventional/Portfolio changes & guidelines
• Manage loan portfolio and attend weekly pipeline meetings
• Responsible for past due loans up to 30 days
• Interface with other departments as necessary to ensure the smooth operation and growth of the operation
• Backup responsibilities for consumer lender
• High level of professionalism and ability to maintain confidentiality
• Communicates challenges and opportunities to manager
• Ensure that an environment of teamwork is always maintained
• Provide and promote exceptional customer service.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

Experience: 2-5 years of similar or related experience, including preparatory experience.

Position Location

Billings, Montana

Major Duties and Responsibilities

• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Assist customers with transactional needs according to established guidelines, brand model and service standards, including answering basic customer inquiries regarding account balances, transaction history, service charges, interest rates, etc.
• Maintain daily operational standards, including but not limited to cash drawer security, daily balance of cash drawer, item capture procedures, counterfeit currency identification, count and roll coins, balance ATM, and adequate supplies in teller station.
• Knowledge of products and services and educate customers on emerging bank technology and digital solutions such as mobile, online, ATM and other offerings.
• Protect the bank from unnecessary risk or exposure by being familiar with bank procedures and confidentiality guidelines, including but not limited to currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, etc.
• Adherence to internal controls, operational procedures, and risk management policies. Adhere to security protocols for robbery, fraud, opening/closing process, cash controls, and teller procedures.
• Regular and reliable attendance.
• Performs other duties and responsibilities as assigned.

Knowledge and Skills

Experience: 6 months to 2 years of similar or related experience, including preparatory experience. Cash handling and customer service experience is strongly preferred.

Position Location

Billings, Montana

Major Duties and Responsibilities

• Review documentation presented by originators and ensure that it is accurate, complete, and consistent
• Request additional documents to support the loan application
• Confirm that the licensed originator provided all disclosures to the borrower within the timeframe required by federal regulation
• Ensure that the loan file meets all product guidelines
• Obtain verification of deposit documentation provided by independent, third-parties used to verify that the information contained on the loan application is true and accurate such as: establishes that the applicant has sufficient cash to meet settlement needs, and send requests to financial institutions to verify assets
• Obtain verification of employment documentation provided by independent, third-parties used to verify that the information contained on the loan application is true and accurate such as: the applicant's employer to substantiate the employment information supplied in the mortgage loan application, stability of the applicant's source of income, and applicant's ability to repay the mortgage loan
• Obtain loan documentation which includes documents such as paystubs, W-2s, tax returns, bank statements, and IRS 4506T tax transcripts
• Order an appraisal according to the loan type and pulling the credit report if needed
• Input appraisals into automated system, inclusive of detailed information for property
• Run the loan through the automated underwriting system (DU/LPA) for loan approval and documentation requirements, as necessary
• Update the loan origination system as documents are received and re-running the AUS findings as necessary
• Remain alert for valid change of circumstances that trigger redisclosure requirements
• Ensure that borrower communications and updates are handled in a timely, consistent, and professional manner
• Provide a complete loan fi le to the underwriter for efficient validation and underwriting
• Review underwriting conditions; Satisfies all conditions received from the Underwriter and ensures that approval falls within the established lending guidelines
• Issue weekly updates to borrowers, lenders, realtors, and closers; prepares ECOA to send to customer if loan denied; informs borrowers, realtors, builders and closer of status of loans.
• Schedule closings with title agencies
• Calculate all fees and escrows associated with closing and balance the numbers
• Prepare and deliver the closing disclosure in advance of closing
• Create a properly executed, quality loan package that meets regulatory requirements and investor guidelines
• Prepare the funding approval of each loan and submits wire transfer to the Servicing department for loan funding
• Deliver closing instructions, final closing disclosure, and settlement documents to the settlement agent
• Attend Closings as necessary
• Verify proper execution of a closed loan, post-closing, to ensure all documents were correctly signed and filed
• Satisfy all conditions found post-closing, by an outsourced auditor
• Other duties as assigned
• Provide and promote exceptional customer service

Position Location

Billings, Montana

Essential Duties and Responsibilities

• Generate deposits and fee income through direct prospecting and relationship building.
• A significant amount of time will be spent conducting "outbound" customer support, including, but not limited to meeting with prospective customers, assisting current customers, troubleshooting customer challenges, conducting informative meetings.
• Execute strategic business development plans to expand customer base.
• Lead sales team to achieve growth targets through effective coaching.
• Participate in customer calls or meetings upon request from branch staff or customers and supports and leads sales conversations unless otherwise directed.
• Coordinate and complete onboarding for new treasury customers.
• Assist staff during customer interactions when treasury expertise is needed.
• Maintain active community presence through events and networking.
• Act as a liaison between customers, branches, and back-office teams to ensure timely resolution of customer issues.
• Support the bank's efforts in analyzing deposit relationships with both existing and prospective relationships. Perform financial analyses using bank statements, merchant statements and/or account analysis statements to compare with the competitors.
• Monitor market trends and competitive landscape.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.