Retail Prelim Processing Specialist

Retail Prelim Processing Specialist

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 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 prepares loan documents for all retail loans, including but not limited to all preliminary disclosures for Home Equity loans and lines. This position is the secondary point of contact with Retail Underwriting Department, lenders, and 3rd party vendors. This position determines fees required on loans and lines and also orders title work. This position also prepares Adverse Action Notices in Doc Prep's absence. This position ensures that documents are accurate, complete and comply with Regulation Z, RESPA, Regulation O, Regulation B, and the CFPB regulations.

Primary Duties:

• Loan Documentation:
• Utilize LaserPro, nCino, and Microsoft Word to prepare documentation for all retail purpose loans, including loan extensions and modifications, according to policy guidelines.
• Review Home Equity applications and all other retail loan requests for completeness and accuracy.
• Determines which preliminary disclosures are required for Home Equity loans and lines.
• Orders preliminary title work for real estate loans.
• Monitors work queue to ensure documents are completed according to established Service Level Agreements.
• Verify whether real estate property is located in a flood zone after underwriting orders flood determination.
• Mail disclosures to customers according to regulatory timing requirements.
• Verifies fees from the title companies, and various business partners to determine correct fees are disclosed to the customer in disclosures.
• Perform a final review of documentation to ensure all loan documents are prepared accurately and according to documentation requirements consistent with the type of loan, state of origination and regulatory guidelines.
• Make required corrections and changes to documents as requested.
• Forward completed loan package to lender for execution/signature by customer.
• Utilize nCino to generate adverse action notices, as required by regulations.
• Assist with training new employees.
• Provide support and assistance, and other related duties as assigned, in support of the daily functions of the Retail Loan Documentation Department.
• Participate in internal and external training to maintain knowledge of Bell Bank products, systems and other appropriate training as required.
• Adhere to all Bell Bank standards, policies and procedures as well as banking laws and regulations.
• Utilizes problem solving skills, external resources and internal resources to resolve issues as efficiently as possible.
• Escalates complex problems to Team Manager or Retail Loan Administrator.
• May 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:

• High school diploma or equivalent.
• Detail oriented and possess good working knowledge of rules, regulations and policies relating to loan documentation acquired through 6 to 12 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 the 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.
• Ability to communicate effectively and professionally with third party vendors, co-workers and customers.
• Demonstrated acceptable personal financial responsibility.

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer