Senior Mortgage Loan Associate

Location: Sioux Falls, SD
Shift: M-F 8am to 5PM
Job Schedule: Full-Time
Company: First PREMIER Bank

About the Role
Ensure mortgage loans move efficiently through three of the following processes (based on business need): processing, closing, post-closing, and lock desk functions. Responsibilities include verifying and preparing loan files, ensuring compliance with regulatory requirements, coordinate closing, and funding activities, and managing rate locks.

Job Duties and Responsibilities 

• Essential duties and responsibilities include the following. Other duties may be assigned.
  • Verify all information from the initial loan application with a third-party, collect relevant data, and update the loan origination system.
  • Actively listening, communicate clearly, respectfully, and consistently with both internal and external customers.
  • Prepare the closing disclosure, work with the title company to balance the final numbers and verify the funding amount.
  • Work with internal teams to resolve outstanding conditions or deficiencies.
  • Ensure all signed documents are received and properly executed.
  • Review and process investor loan purchase.
  • Maintain customer files with regulatory requirements and company policies.
  • Identify and address any issues or discrepancies that arise during the processing of the loan application.
  • Rate Lock Management, manage the locking of interest rates for mortgage loans. Ensuring that rates are locked at the appropriate times to protect both the lender and First PREMIER Bank.
  • Ensure compliance with investor and agency lock policies.
  • Train, guide, support and advise co-workers throughout the mortgage department.

Skills and Qualifications

• Strong written and verbal communication.
• Proficiency in basic computer skills, including Microsoft Office applications.
• Strong organizational skills with the ability to multi-task and manage simultaneous high priority projects and tasks while maintaining a high degree of confidentiality.
• Ability to work independently with a strong attention to detail.
• Strong verbal and written communication skills to coordinate with loan officers, underwriters, customers, investors, and management.
• Ability to take initiative and resolve issues in a timely manner.
• Ability to work independently, handle stress, exercise self-control, adhere to company policies, and procedures.
• Ability to build rapport and trust quickly with various stakeholders.
• Bachelor’s degree in finance, business, economics, or a related field preferred.
• Minimum of 2 years of experience in mortgage required.
• A strong knowledge of mortgage lending processes and regulatory requirements required.

Competitive Benefits Package

• Full medical benefits when working 20+ hours per week
• Traditional and High Deductible health plan options available
• FREE dental and vision coverage
• Generous Paid Time Off plans
• 401(k) – dollar-for-dollar match up to 5% of total compensation
• Special discounts and offers for events at the Denny Sanford PREMIER Center
• PREMIER Wellness Program
• Paid Community Volunteer Hours – PREMIER averages 30,000 hours per year
• Fun Employee Parties

Our Culture

• Emphasis on personal success, respect, health, wellness, fun and giving back
• Employees are rewarded, valued, and celebrated for hard work
• Various Career advancement opportunities and growth
• Appreciation is shown through concerts, outdoor bashes, cash, car giveaways and more

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.