Real Estate Loan Assistant- Missoula

  • Stockman Bank
  • Missoula, MT, USA
  • Feb 23, 2021
Full time Banking Finance Real Estate

Job Description

Our people, philosophy, and the way we do business have positioned Stockman Bank as Montana’s premier financial center for business leaders, agriculture operators, commercial developers, and real estate owners.  We are a Montana-born company, built on western values, focused on creating long-standing relationships through integrity, expertise, and results.   Our offices are locally managed and community-oriented, allowing us to best serve our customers.  Our workforce is well trained and competent and our work environment encourages productivity, personal growth, and job satisfaction.

Position General Responsibilities

Responsible for various duties, performing as a Loan Assistant for designated officers.  This position will also assist in the assorted clerical duties for the Real Estate department (i.e. includes communications, facets of loan document preparation, recordation, and maintenance of credit files).  Tickler list management and loan accounting are also critical to the job function.

Education, Experience, and Certification Requirements
Note:  Only minimum responsibilities are listed.  Other responsibilities may be required as requested by management.   

Basic Qualifications: 
- Strong commitment to providing exceptional customer service.

- 2-year college-level course of study in Business Administration and/or financial

- Institution or related field experience or equivalent training and/or experience.

- Excellent customer service skills.

- Strong communication and organizational skills.

-  Must be able to work independently and to prioritize multiple tasks.

Previous loan processing experience/real estate processing experience.

Position Specific Responsibilities, Duties, and Competencies
Loan Processing Operational Functions: 

  1.      Loan documentation preparation for all lenders.
  2.      Responsible to develop expertise in loan documentation as well as developing general credit skills commensurate with the position of Loan Processor.
  3.      Responsible for tickler list, loan file maintenance, loan accounting, and other duties as assigned.
  4.      Responsible for professionally dealing with title companies and insurance companies.
  5.      Responsible for communicating professionally with customers and Realtors.
  6.       Responsible for correspondence mailings, phone, and lobby traffic.
  7.       Manage denial/withdrawn credit files.
  8.       Provide secretarial help as needed.
  9.        Pull credit reports/build and maintain files.
  10.        Prepare and deliver loan application packages to Processing Center.
  11.      Quote loan payoffs as needed; monitor lien filings; order appraisals, lien searches, and title commitments. Contact insurance companies as deemed necessary.
  12.        Other duties as assigned.


  1. Answer phone; take messages and direct calls to designated officers.
  2. Greet, monitor, and assist customers.
  3. Become a notary public.
  4. Other duties as assigned.

Sales/Public Relations: 

  1. Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct, and diligent work ethic.
  2. Greet all customers pleasantly and make them feel welcome and comfortable.
  3. Handle transactions quickly and professionally.
  4. Effectively handle customer questions and problems.

Work Schedule/Availability:

  1. Employees are expected to be on time to work his/her scheduled shift.  A typical shift will be 8:00 am to 5:00 pm; Monday through Friday. Schedule may be subject to change depending on circumstances that arise per management.

Federal Regulations: 

  1. Maintain a working knowledge of the Bank's written policies and procedures that apply to and concern this position’s area of responsibility, including general regulations such as the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and SAFE Act, TRID/QM guidelines and various other Federal and State regulations as they apply.

Physical and Mental Demands
(The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.   Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

Occasionally  = 0-33% of shift                        Frequently  = 34-66% of shift                Constantly  = 67-100% of shift

Constant lifting/carrying up to 10 lbs. frequently lifting/carrying up to 25 lbs.   Constantly required to hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with the needed ability for task management flexibility and to perform routine duties with attention for details. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment. Constantly stand, walk or sit, while requiring oral and written communication with co-workers, customers, and transactions with guidance available.  

Occasionally stoop, kneel, crouch, or crawl.

Infrequently climb (up ladders, etc.), balance (to reach items), or drive a car.

Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment
(The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job.   Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
- Constantly works with others, around others, and with coworkers in other departments or branches and with customers and the general public in person and via telephone.  Constantly works indoors, in confined areas, and is exposed to the risk of electrical shock.  
- Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and customers while hearing machines, conversations of others, music, phones, etc., in a confined area.
- Infrequently the employee works alone and also works near moving objects.  The employee is also infrequently exposed to outdoor weather conditions.
- The employee may be asked to move to other branches as needed to fill in at the Company’s discretion.

Company Functions and Expectations: 
Technical Knowledge
Has the technical knowledge and analytical skills to fulfill job duties in a positive manner. Keeps abreast of new and changing developments in industry/field especially as it pertains to the individual position. Has the ability to analyze situations and react accordingly.

Expresses information/thoughts clearly and concisely in both written and verbal forms. Keeps communication channels open with subordinates and supervisors.  Responds promptly to calls or inquiries in a courteous and professional manner. Communication is effective and efficient. Communication is professional and respectful to all Officers, co-workers, and the mortgage processing staff.

Establishes priorities, sets goals, and meets deadlines in an accurate and efficient manner.  Organizes overall workflow and working area.  Quickly identifies problems, makes timely decisions, and notifies affected personnel. Plans effectively to ensure timely completion of duties. 

Team Work/Professionalism
Is willing to assist others to meet deadlines especially at times of high volume to maintain a high level of customer service and keep even workloads.  Provides assistance and/or training to less experienced personnel when needed.   Informs appropriate personnel of significant issues in a timely manner.  Works well in a group environment and with a supervisor. Models professionalism by addressing others with appropriate actions and appearance within professional boundaries.

Customer Service Culture
Employees will strive for outstanding, professional, and courteous service to our customers and anyone who visits our facility.