Corporate Escrow Analyst

Glacier Bancorp, Inc. (GBCI) is a regional bank holding company providing commercial banking services in 80 communities through 129 banking offices in Montana, Idaho, Colorado, Utah, Washington and Wyoming. GBCI offers an extensive benefits package that includes medical, dental, vision and life insurance, a retirement plan with employer match and profit sharing, paid vacation, holiday and sick leave. Salary is negotiable based on relevant experience.

Reporting to the Mortgage Loan Servicing Manager and overseen by the escrow administration team lead, the Escrow Analyst is responsible for analyzing escrow accounts related to mortgage, commercial and consumer loans. The role ensures timely payments of property taxes and insurance premiums, maintains accurate records, provides exceptional customer service to borrowers, and manages flood‑procedure administration for loans in flood zones.

Entry rate: $24.99 per hour (calculated for Kalispell, MT). Washington applicants:
Wenatchee ($28.30–$42.44 per hour), Spokane ($27.91–$41.86 per hour). Compensation is adjusted for geography, experience and education.

• Respond to borrower inquiries regarding escrow accounts, insurance matters and PMI.
• Provide clear and concise explanations of escrow analysis, account adjustments, flood and PMI processes.
• Assist borrowers with resolving discrepancies and concerns related to their account.
• Deliver excellent customer service to internal and external customers in the execution of all assigned loan servicing duties.

• Act as a subject‑matter expert on flood insurance requirements and provide guidance to other employees involved in complying with flood regulations.
• Review loans located in a flood zone to determine if regulatory requirements are applicable (Regulation H).
• Assess the adequacy of insurance, supporting documentation and complete reviews on all flood maintenance activities.
• Force‑place insurance when needed on loans.
• Coordinate with business units and vendors to monitor ongoing loans identified in a flood zone.
• Prepare and provide flood‑related information for any internal or external audits and responses to findings.

• Maintain and monitor escrow accounts.
• Ensure timely distributions for taxes, hazard & flood insurance, PMI and other escrowed items.
• Perform annual escrow analysis to determine account balances and adjustments.
• Process requests regarding escrow cancellations.
• Analyze data to identify trends, discrepancies and opportunities for process improvements.
• Monitor and process PMI cancellations upon borrower request or when loan‑to‑value thresholds are met.
• Educate borrowers about PMI cancellation policies and procedures.
• Monitor and process insurance claims (loss draft checks).

• Participate in the formulation of procedures, policies and methods to ensure compliance with Glacier Bancorp, legal, investor, regulatory and business policies.
• Participate in new software implementation, testing and upgrade projects; maintain current systems and software.
• Assist department with daily functions such as customer service calls/emails, payment postings, ARM loans, scanning/indexing, miscellaneous maintenance, payoffs and AFT/ACH setups.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, Patriot Act and Office of Foreign Assets Control, and complete assigned online training courses.

• Education:
  
  High School Diploma or GED required;
  Associate Degree preferred.
• Experience:
  
  3 years in loan servicing or loan operations; 1 year in escrow, insurance or mortgage experience.
• Knowledge of lending regulations and compliance as it relates to Regulation H and the Homeowners Protection Act.
• Basic Microsoft Office, Adobe and internet browsing skills.
• Team−player with strong customer service, accuracy, confidentiality, problem‑solving, analytical, and technical skills.
• Effective communication and documentation abilities; ability to research and interpret regulations.
• Adaptability, independence, professionalism, reliability and attendance.
• Capacity to serve as a backup for other staff members.

• Travel:
  Occasional…