Retail Loan Support

Retail Loan Support Department:

Direct Retail Lending Position Type:

Full-Time, Non-Exempt Compensation Range:

$20.00

• $25.

00 per hour

Reports To:

Loan Operations Manager

POSITION SUMMARY

This position serves primarily internal customers; however, responsibilities also include serving external customers whenever the opportunity presents itself. This position does not involve direct day to day supervision of employees. Confidentiality of customer information cannot be overstated. It is expected that all customer information be kept in the strictest confidence. We must do whatever it takes to ensure that our relationships with the public are not jeopardized. The purpose of this position is to complete the final process of real estate loans ensuring documentation is accurate and in compliance with bank policies, and state and federal guidelines. This individual is also responsible for a variety of other duties that support all lending done in the Direct Retail Loan Department.

SKILLS & ABILITIES

Capability of exercising good judgment Perform satisfactorily under pressure and consistently meet deadlines High degree of detail orientation Ability to prioritize and manage workflow in a fast-paced work environment Acquired experience with Windows-based applications and Microsoft Office products Above average aptitude for figures/ knowledge of accounting basics Ability to deal effectively and tactfully with internal and external customers

DUTIES & RESPONSIBILTIES

Process real estate transactions after closing Maintenance of real estate files after closing, including, but not limited to, monitoring final title polices in conjunction with title companies and attorneys Prepare, review and respond to audit requests from secondary market Perform consumer and real estate loan check-back procedures Process In-House real estate evaluations Monitor and distribute daily mortgage rates to appropriate staff Monitor delinquent real estate taxes Process real estate force placed insurance and bankruptcy notices Complete annual escrow analysis Process and complete reports, Past Due/Non-accrual, OPP/OREO, Paid Notes Audit and Paid Notes with Active Escrow Balance OPP/OREO, and RCB Collection Agency Review and respond to Credit Disputes Prepare and submit annual investor certifications Back-up for the Loan Report Processor role Ensure backups for the position are properly and thoroughly trained Attend required staff meetings Follow security procedures Support a diverse and inclusive culture Abide by all policies, procedures, and expectations set forth in the Employee Manual or requested by management HOURS Typical office hours are 8:00am

• 5:00pm, Monday through Friday This position is not eligible for hybrid work It is expected that work be completed, therefore additional hours may be required in order to accomplish certain tasks Timecards are required and any time over 40 hours will be paid at the rate of time-and-one-half

COMPENSATION RANGE

The compensation range for this position is: $20.00

• $25.

00 per hour. This range reflects the base wage for this position. Please note that the specific compensation for this role will be determined based on your experience, qualifications, and internal equity considerations.

JOB REQUIREMENTS

Education :

High school diploma or equivalent required

Experience :

One-year experience in banking, preferably in the lending area, is preferred

PHYSICAL DEMANDS/WORK ENVIROMENT

Manual dexterity for extended periods of data input Sit for extended periods of time Lift and carry up to 15 pounds on occasion Primary work environment for this position is that of a typical office setting

BENEFITS

Health and Dental Insurance (partially employer paid) HSA (employer contributions) Vision Insurance Medical & Dependent Care FSA Employer paid Life & Long-Term Disability Insurance Optional Life Insurance AFLAC Employee Stock Ownership ("ESOP") Profit Sharing Paid Parental Leave Paid Time-Off ("PTO") Paid Holidays Employee Assistance Program ("EAP") Clothing Reimbursements Additional in-house products

COMMITTEE DESIGNATIONS

None at this time First National Bank Bemidji is an Equal Employment Opportunity ("EEO") and Affirmative Action ("AA") employer of women, minorities, individuals with disabilities and veterans. First National Bank of Bemidji has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and First National Bank of Bemidji reserves the right to change this job description and/or assign tasks for the employee to perform, as First National Bank of Bemidji may deem appropriate. Retail Loan Support 1600 Paul Bunyan Drive NW, Bemidji, MN 56601 $20

• $25 an hour
• Full-time $20
• $25 an hour

•

Full-time Retail Loan Support Department:

Direct Retail Lending Position Type:

Full-Time, Non-Exempt Compensation Range:

$20.00

• $25.

00 per hour

Reports To:

Loan Operations Manager

POSITION SUMMARY

This position serves primarily internal customers; however, responsibilities also include serving external customers whenever the opportunity presents itself. This position does not involve direct day to day supervision of employees. Confidentiality of customer information cannot be overstated. It is expected that all customer information be kept in the strictest confidence. We must do whatever it takes to ensure that our relationships with the public are not jeopardized. The purpose of this position is to complete the final process of real estate loans ensuring documentation is accurate and in compliance with bank policies, and state and federal guidelines. This individual is also responsible for a variety of other duties that support all lending done in the Direct Retail Loan Department.

SKILLS & ABILITIES

Capability of exercising good judgment Perform satisfactorily under pressure and consistently meet deadlines High degree of detail orientation Ability to prioritize and manage workflow in a fast-paced work environment Acquired experience with Windows-based applications and Microsoft Office products Above average aptitude for figures/ knowledge of accounting basics Ability to deal effectively and tactfully with internal and external customers

DUTIES & RESPONSIBILTIES

Process real estate transactions after closing Maintenance of real estate files after closing, including, but not limited to, monitoring final title polices in conjunction with title companies and attorneys Prepare, review and respond to audit requests from secondary market Perform consumer and real estate loan check-back procedures Process In-House real estate evaluations Monitor and distribute daily mortgage rates to appropriate staff Monitor delinquent real estate taxes Process real estate force placed insurance and bankruptcy notices Complete annual escrow analysis Process and complete reports, Past Due/Non-accrual, OPP/OREO, Paid Notes Audit and Paid Notes with Active Escrow Balance OPP/OREO, and RCB Collection Agency Review and respond to Credit Disputes Prepare and submit annual investor certifications Back-up for the Loan Report Processor role Ensure backups for the position are properly and thoroughly trained Attend required staff meetings Follow security procedures Support a diverse and inclusive culture Abide by all policies, procedures, and expectations set forth in the Employee Manual or requested by management HOURS Typical office hours are 8:00am

• 5:00pm, Monday through Friday This position is not eligible for hybrid work It is expected that work be completed, therefore additional hours may be required in order to accomplish certain tasks Timecards are required and any time over 40 hours will be paid at the rate of time-and-one-half

COMPENSATION RANGE

The compensation range for this position is: $20.00

• $25.

00 per hour. This range reflects the base wage for this position. Please note that the specific compensation for this role will be determined based on your experience, qualifications, and internal equity considerations.

JOB REQUIREMENTS

Education :

High school diploma or equivalent required

Experience :

One-year experience in banking, preferably in the lending area, is preferred

PHYSICAL DEMANDS/WORK ENVIROMENT

Manual dexterity for extended periods of data input Sit for extended periods of time Lift and carry up to 15 pounds on occasion Primary work environment for this position is that of a typical office setting

BENEFITS

Health and Dental Insurance (partially employer paid) HSA (employer contributions) Vision Insurance Medical & Dependent Care FSA Employer paid Life & Long-Term Disability Insurance Optional Life Insurance AFLAC Employee Stock Ownership ("ESOP") Profit Sharing Paid Parental Leave Paid Time-Off ("PTO") Paid Holidays Employee Assistance Program ("EAP") Clothing Reimbursements Additional in-house products

COMMITTEE DESIGNATIONS

None at this time First National Bank Bemidji is an Equal Employment Opportunity ("EEO") and Affirmative Action ("AA") employer of women, minorities, individuals with disabilities and veterans. First National Bank of Bemidji has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and First National Bank of Bemidji reserves the right to change this job description and/or assign tasks for the employee to perform, as First National Bank of Bemidji may deem appropriate.