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Mortgage Loan Processor

Department: Mortgage Support
Location: Fargo, ND

First International Bank and Trust is recognized seven years in a row for being a Top 50 Best Places to Work isn’t just an award placed on the shelf. It speaks to the teams of colleagues who are dedicated to create extraordinary experiences based on the philosophy treating every customer like family.

Please see below for additional information regarding the Mortgage Loan Processor position and submit your online application!

Position Summary:  Under the direction of Senior Lending Staff, provides assistance to the Lending Department by performing the following duties. 

Essential Duties and Responsibilities include the following. Other duties as assigned.

  • Answers telephone and directs customers to bank officers and staff.
  • Analyze credit reports and verify and analyze asset and income information
  • Reviews file and Loan Presentation for accuracy
  • Responds to customer inquiries including payment questions, payoffs and loan values. 
  • Order appraisal and title work for files in process.
  • Submits files to Underwriting and follows up with assistance in getting any possible conditions cleared so that loan transaction can be closed.
  • Provides loan support to mortgage originators assisting with loan file comments and withdrawn/denied files in compliance with company loan file policy and procedures.
  • Provides loan support to mortgage originators assisting with loan file comments and withdrawn/denied files in compliance with company loan file policy and procedures.
  • Provides assistance to the Mortgage Loan Department on projects and assignments as needed.
  • Calls or writes credit bureau and employer to verify accuracy of information.
  • Prepares, scans and maintains loan files.
  • Maintains and collects current information on technical exceptions, such as insurance, titles, financial statements, etc.
  • Calls specified companies to obtain property abstract, survey and appraisal.
  • Reviews and analyzes title report or survey to determine issues and any present or potential risk.
  • Notifies customer of approval or prepares and mails adverse action forms to applicants.
  • Originates loan correspondence.
  • Updates tickler system to note funding activities, interest rate settings and billings.
  • Examines loan terms and ensures loan is funded within established time frames.
  • Explains, promotes, cross-sells or refers bank, insurance and trust products or services.
  • Reviews emails and branch messages to remain current on policy or procedural changes and new product offerings.
  • Attends periodic training to receive information about various bank services and participates in an exchange of ideas and problems.
  • Comply with federal, state, and company policies, procedures, internal controls, and regulations.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:  Associate's degree (A. A.) or equivalent from two-year college or technical school; or six months to one year related experience and/or training; or equivalent combination of education and experience.