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February 21, 2024
Grade 4
Full Time
Location: Sioux Falls, SD or Brookings, SD / Edina or Roseville, MN
Overall Functions
This person provides all 1st Mortgage Loan Closing support for the mortgage loan officers, customers and 3rd party providers to insure an exception customer experience for all mortgage loan customers of First Bank & Trust.

This person should have an associate's degree, plus 1 years of prior job-related experience or the equivalent. Good communication skills and the ability to interact with customers, realtors and other professionals are required. This person must be familiar with mortgage lending concepts, practices and procedures.
  1. Prepare and process all mortgage loan documentation from loan approval to closing according to established procedures. Identify appropriate documentation for all types of loans.
  2. Have a general working knowledge of FHA, VA, Rural Development, Private Mortgage Insurance and investor differences, guidelines and processes.
  3. Monitor the pipeline of files at different stages of the closing process to ensure deadlines are met, continually follow up on documentation to ensure the appropriate information has been requested and is received within the allotted timeframes to meet the expected closing dates.
  4. Have a general understanding of all mortgage regulations including but not limited to Fair Lending, TRID, RESPA, Reg Z and Reg B.
  5. Provide quality exceptional service while interacting with customers, realtors, 3rd party service providers and co-workers.
  6. Confirm all closing conditions are met and final review of the approval as appropriate prior to sending initial Closing Disclosure and closing documents to the title companies. 
  7. Review entire loan file for compliance with TRID regulations and accurately identify any deficiency that would require a cure be applied to the Closing Disclosure or affect the timing of the closing.
  8. Accurately and efficiently, balance with the title companies to ensure funding and payoffs are accurate, prepare mortgage loan closing documents and funding, according to established procedures.
  9. Accurately complete the HMDA data screens needed to insure compliance with expected data fields related to loan closers.
  10. Responsible for confidentially handling all non-public information.
  11. Provide exceptional customer service while interacting with customers, realtors, 3rd party service providers and co-workers.
  12. Attend all team meetings and training seminars, as deemed appropriate by the supervisor.
  13. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
  14. Adhere to compliance procedures and participate in required compliance training.

First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement(Opens in a new Window). Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email