Consumer Lender

About The Role

Great opportunity to join Glacier Bank and serve the Kalispell and surrounding communities!

This person originates a high volume of consumer loans (in accordance with Glacier Bank goals) and manages the entire loan origination process. The incumbent will also work to develop relationships with target customers in order to create additional new business.

Employee will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner, and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.

• Meet or exceed loan production goal as set annually by manager in conjunction with goals set for Glacier Bank annual production.
• Interview credit applicants and determine borrowing requirements. Obtain complete application and analyze financial information. Conduct credit investigation. Provide credit approval (subject to appraisal and other key conditions) within credit approval authority and automated underwriting guidelines.
• Identify and develop relationships with potential new customers. Maintain and develop an ongoing relationship with current customer base. Continuously project an image of professionalism and concern in dealings with the public. Promote Glacier Bank loan programs to best meet goals.
• Cross sell DDA accounts on all loans/lines of credit.
• Work closely with loan processor as a team to efficiently close all loans in a timely manner with proper documentation. Work with loan processor to ensure that all disclosures reports, financial statements, tax returns, title insurance commitments and appraisals are reviewed prior to closings.
• Respond to any audit reports and keep current with all lending and collections (federal and state) regulations. It is extremely important to Glacier Bank that we meet all compliance regulations.
• Check loan documents and modification agreements for accuracy prior to closing loans.
• Meet all requirements under RESPA. Respond to any audit reports and keep current with all lending (federal and state) regulations.
• Pursuant to the SAFE Act requirements, all employees who will be engaged in residential loan mortgage originations must register with the Nationwide Mortgage Licensing System and Registry (NMLS) and maintain a status in good standing under the SAFE ACT requirements. MLOs (Mortgage Loan Originators) will be assigned a Unique Identifier, which must be provided to applicants as required, following the procedures of Glacier Bancorp, Inc.
  
  Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment.
• Cross sell online banking and e-statements when closing loans.

• Service Quality - embrace service pledge and provide extraordinary and consistent service to all internal and external customers. Listens to and asks about customers needs.
• Participates in required training, staff meetings, and lobby displays.
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Glacier Bank.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank training courses within assigned time frame(s).
• 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. Must complete the assigned online training courses and achieve a passing score by due date.
• Represent Glacier Bank in a professional manner which includes a professional image, confidentiality, a positive can-do attitude, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy.
• Consistently maintains regular and reliable attendance.
• Additional duties as requested or assigned

Required Qualifications

• Previous lending experience and/or education.
• High degree of attention to detail as well as excellent organizational skill(s) to perform in a fast-paced environment.
• Must have ability to prioritize and organize heavy workload(s) and demonstrate effective time management skill(s).
• Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
• Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience.
• Ability to work both independently and in a team environment.
• Ability to understand and follow complex written and oral instructions.
• Ability to communicate effectively verbally and in writing.
• Basic computer skill with working…