Retail File Review

Retail File Review

If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.

Company Information:

Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $10 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $26 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune.

If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• “Paying it forward” by giving back to the communities we serve.

Our Bottom Line:

Happy Employees! Happy Customers!

Job Summary:

This position reviews retail loans and lines, home equity loans/lines, and modifications/extensions, for proper documentation. This position ensures that files are complete and documents comply with Regulation Z, Regulation O and Regulation B, RESPA, HMDA and the CFPB regulations.

Primary Duties:

• Loan Documentation File Review:
• Review all retail loan documentation according to established procedures.
• Prepare files for document imaging.
• Input ticklers for missing signatures, missing documents and/or incorrect documents.
• Review and log HMDA data.
• Verify Technical Exceptions have been set up correctly on the tickler system.
• Assist with training new employees.
• Partake in all other related duties as assigned in support of the daily functions of the Retail Loan Documentation, Retail, and Loan Operations departments.
• Participate in internal and external training to maintain knowledge of Bell Bank products, systems, and services, as well as any required Bell Bank compliance training.
• Adhere to all Bell Bank standards, policies and procedures as well as banking laws and regulations.
• Utilize problem solving skills, external and internal resources to resolve issues as efficiently as possible.
• Escalate complex problems to Team Manager or Retail Loan Administrator.
• Assist with special projects designated by the Team Manager or Retail Loan Administrator.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• Detail oriented and possess good working knowledge of rules, regulations and policies relating to loan documentation acquired through 3 to 6 months experience in loan documentation.
• Competent in the use of personal computer systems, internet applications and electronic mail, and various windows based software applications.
• Ability to prioritize, meet deadlines and work independently.
• Good communication skills to interact with all Lenders and Loan Assistants.
• Ability to work well under pressure.
• Excellent analytical, decision-making and effective problem resolution skills.
• Proven ability to work productively and efficiently without direct supervision.
• Demonstrated ability to manage and multi-task in a high-volume work flow with multiple priorities, interruptions and possible short-term deadlines.
• Ability to be flexible in a dynamic and challenging environment characterized by sometimes changing priorities and react to those changes productively.
• Excellent organizational and time management skills.
• Ability to work well in a collaborative, cohesive and cooperative team environment.
• Demonstrated acceptable personal financial responsibility.

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer