Real Estate Loan Trainee

Under supervision of Lender, position is training to become a Real Estate Lender. Learn how to interview customers and perform preliminary credit analysis on new and existing real estate loan applications to arrive at a conclusion to recommend approval or decline loan applications, documentation review, system input and requirements, applicable process, policies, procedures and regulations. Promote increased customer use of bank products and services to enhance customer satisfaction. Position complies with all banking laws and regulations.

DUTIES AND RESPONSIBILITES:

Learn how to interview customers and perform preliminary credit analysis on new and existing real estate loan applications to arrive at a conclusion to recommend approval or decline loan applications, documentation review, system input and requirements, applicable process, policies, procedures and regulations.

Develop and maintain a good relationship with borrowing customers. Promote increased customer use of bank products and services to enhance customer satisfaction.

Assist in the origination of loans. Ensure loan applications are complete. Process loan applications in a thorough manner. Recommend approval or denial of loans based on sound lending policies and a complete review of all aspects of the application and applicant.

Assist with the post-closing process for construction loans by conducting construction inspections, reviewing loan draw requests against original cost breakdown, and approving loan draws for payment.

Prepare written loan evaluation on loans exceeding authorized lending limit and present evaluation to supervisor. Assist in renegotiating any changes with the borrower. Submit loan requests in a timely manner to loan processor.

Maintain contact with individuals concerned with loans in process including customers, various bank departments, and title and escrow companies.

Handle loan closings, including scheduling closing meetings, and collecting documentation.

Assist with administration of loans to include overdraft monitoring, field audits and inspections, financial statement analysis, and review and monitoring compliance to the loan agreements. Perform periodic review of documentation and collateral for review by supervisor.

Monitor past due status on loans originated. May make collection intervention to prevent loss to the bank. May work with collectors on past dues and delinquencies.

Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

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:

Two to five years of similar or related experience.

Bachelor's degree (preferred degrees: business or finance). An equivalent combination of education and experience may be considered.

Must maintain an active, current registration with the National Mortgage Licensing System throughout their employment.

Must possess current valid driver's license.

KNOWLEDGE, SKILLS, ABILITIES:

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

Proven ability to identify cross-selling opportunities and make effective referrals. Excellent attention to detail, organization skills, and problem-solving abilities. Strong interpersonal and communication skills, with a focus on customer experience.

A significant level of trust and diplomacy is required to be an effective subject matter expert in this position. In-depth dialogues, conversations, and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating, and/or advising others on matters of significance. Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignity, and respect. Cultivate rapport with all persons encountered at work.

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 internal and external customers in a polite and courteous manner.

Customer Service: We are community-inspired and pride ourselves to offer 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 judgment; 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 meet commitments and agreements in a timely manner; relied upon by others as a source of valid information.

Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.

Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, and Bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task. Define a result, set, or follow a course of action to achieve it, anticipate potential obstacles, and monitor progress to achieve desired result.

Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result. Use appropriate interpersonal styles and communication methods to gain acceptance of an idea, plan, activity, or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.

Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different roles and positions of power and utilize this information to influence outcomes.

Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm and readiness to undertake or experiment to improve the organization.

Results Oriented: Focus efforts and energy on successfully attaining clear, concrete, accurate, timely, and measurable outcomes of importance to the organization. Persistent even when challenged by obstacles or opposition. Achieve goals and brings projects to completion. Investigate, calculate, and proceed through a project or task to bring about a conclusion. Persistent and focused when faced with a series of challenging or uncertain situations. Demonstrate a concern for working well or for competing against a standard of excellence.

WORKING CONDITIONS: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

Must be capable of up to 50% travel (e.g. 2 weeks or 10 days per month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

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, and timely attendance. Must be capable of climbing/descending stairs in an emergency.

Specific lifting abilities required by this job include: sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to life, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting more of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific 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.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.