Under direct supervision, assist Construction Loan Originator with variety of tasks in order to ensure smooth and profitable operations of origination and maintenance of Construction Loans. Gather all types of financial and other information from members and outside agencies for analysis and underwriting of consumer loans.
Responsibilities :
- Conduct closing with borrowers in Originators absence, including reviewing documents with members as well as obtaining all required signatures in the appropriate areas
- Create loan files : follow up on any signatures needed as well as any other document exceptions and issues
- Order inspections for Draw Requests and track associated fees
- Advance member lines of credit, including filling out journal tickets, waiver of lien forms and construction draw requests
- Monitor and balance receipts compared to draw requests as well as total of draws to loan balance and report discrepancies to supervisor
- Track receipt and completeness, of Lien Waivers and W-9's
- Keep progress reports up to date and alert Originator of any red flags and / or the need for additional items
- Request and follow-up on homeowner's insurance, homeowner's association insurance and flood insurance
- Maintain license as Notary Public
- Assign Point of Sale (online applications) to requested loan originators or to a loan originator that works in the area of subject property for better accessibility for the member
- Thoroughly explain the loan process to members so they understand the time frame of the application of their loan
- Answer questions related to the various disclosures that are sent to members
- Obtain property information such as property tax and Montana cadastral information
- Prepare checks, journal tickets, etc. for loan processing
- Prepare document requests to send to Quality Assurance department with all applicable verifications for modification requests, balloon renewals and term extensions
- Send to members the appropriate documents to open an account and ensure all forms are filled out correctly with complete information, including wire transfer forms and additional password requirements
- Prepare and review loan files and evaluate for completeness
- Order appraisals from ARD as requested by Originator
- Coordinate meetings for Mortgage Loan Originators; prepare internal documents and reports
- Prepare credit information for use by Mortgage Loan Originators, address any discrepancies relating to Red Flags and detail action taken in the form of a loan note
- Follow up on issues relating to debit / credits to Member accounts as requested by the customer or the responsible Mortgage Loan Originator
- Scan and upload documents to the correct categories of the imaging system in preparation for assignment to loan underwriting and loan processing
Working hours : 8 : 00 AM - 6 : 00 AM
Skills :
Ability to communicate effectively in person, in writing and over the phone with all internal and external stakeholders. Courtesy and tact are essential.Ability and willingness to interact calmly and professionally with people from all backgrounds.Ability to multi-task, prioritize and organize day-to-day responsibilities with attention to detail and timeliness.Ability to follow oral and written instructions.Ability to work with others in an effective manner, listen well, share work-related information and be tolerant of others? work styles.Competent with Microsoft Office; ability and willingness to work with a variety of office equipment and software systems.Ability to lift up to 15 lbs., with or without accommodation.Complete mandatory annual BSA training that includes Red Flag, Identity Theft, OFAC, CTR and SAR reporting and thresholds, as well as the safe keeping of member information, and passes any applicable tests.Follow all Credit Union, Montana and Federal information privacy guidelines.Adhere to all Credit Union policies and procedures.Protect Member and Credit Union confidential information.Education : High School
Experience : 1-4 years
Qualifications :
High school diploma or equivalent.3-5 years banking experience required.Basic knowledge of consumer, real estate and commercial loan required.Apply online at www.spherion.com / apply / 75034
Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.
Equal Opportunity Employer : Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.
At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact Callcenter@spherion.com.
Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Spherion offers a comprehensive benefits package, including health, and an incentive and recognition program (all benefits are based on eligibility).
key responsibilities
Conduct closing with borrowers in Originators absence, including reviewing documents with members as well as obtaining all required signatures in the appropriate areas- Create loan files : follow up on any signatures needed as well as any other document exceptions and issues- Order inspections for Draw Requests and track associated fees- Advance member lines of credit, including filling out journal tickets, waiver of lien forms and construction draw requests- Monitor and balance receipts compared to draw requests as well as total of draws to loan balance and report discrepancies to supervisor- Track receipt and completeness, of Lien Waivers and W-9's- Keep progress reports up to date and alert Originator of any red flags and / or the need for additional items- Request and follow-up on homeowner's insurance, homeowner's association insurance and flood insurance- Maintain license as Notary Public- Assign Point of Sale (online applications) to requested loan originators or to a loan originator that works in the area of subject property for better accessibility for the member- Thoroughly explain the loan process to members so they understand the time frame of the application of their loan- Answer questions related to the various disclosures that are sent to members- Obtain property information such as property tax and Montana cadastral information- Prepare checks, journal tickets, etc. for loan processing- Prepare document requests to send to Quality Assurance department with all applicable verifications for modification requests, balloon renewals and term extensions- Send to members the appropriate documents to open an account and ensure all forms are filled out correctly with complete information, including wire transfer forms and additional password requirements- Prepare and review loan files and evaluate for completeness- Order appraisals from ARD as requested by Originator- Coordinate meetings for Mortgage Loan Originators; prepare internal documents and reports- Prepare credit information for use by Mortgage Loan Originators, address any discrepancies relating to Red Flags and detail action taken in the form of a loan note- Follow up on issues relating to debit / credits to Member accounts as requested by the customer or the responsible Mortgage Loan Originator- Scan and upload documents to the correct categories of the imaging system in preparation for assignment to loan underwriting and loan processingexperience
1-4 years
skills
Ability to communicate effectively in person, in writing and over the phone with all internal and external stakeholders. Courtesy and tact are essential. - Ability and willingness to interact calmly and professionally with people from all backgrounds.- Ability to multi-task, prioritize and organize day-to-day responsibilities with attention to detail and timeliness. - Ability to follow oral and written instructions.- Ability to work with others in an effective manner, listen well, share work-related information and be tolerant of others? work styles.- Competent with Microsoft Office; ability and willingness to work with a variety of office equipment and software systems.- Ability to lift up to 15 lbs., with or without accommodation.- Complete mandatory annual BSA training that includes Red Flag, Identity Theft, OFAC, CTR and SAR reporting and thresholds, as well as the safe keeping of member information, and passes any applicable tests.- Follow all Credit Union, Montana and Federal information privacy guidelines.- Adhere to all Credit Union policies and procedures.- Protect Member and Credit Union confidential information.qualifications
High school diploma or equivalent.- 3-5 years banking experience required.- Basic knowledge of consumer, real estate and commercial loan required.education
High School
