Loan Assistant / Mortgage Loan Specialist
First Security Bank, Mountain Home, Idaho, United States, 83647
Important Information Regarding Application Process
Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. Data from resume cannot be downloaded into application. Summary
First Security Bank is pleased to offer an exciting opportunity for a motivated, customer-focused individual to join our growing Lending team as a Loan Assistant / Mortgage Loan Specialist. If you enjoy building meaningful relationships, providing outstanding service, and contributing to the success of your local community, we’d love to hear from you! In this role, you will support loan officers and lending staff through a variety of administrative and operational responsibilities. You will prepare loan documentation, verify applicant information, maintain accurate records, and ensure compliance with all banking and regulatory requirements. This position also plays a key role in evaluating mortgage loan applications to ensure they meet applicable federal guidelines. This is an
onsite
position, offering the opportunity to work closely with local leadership, customers, and teammates while making a direct impact within the Mountain Home community. QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position. Candidates must be at a minimum, 18 years of age. High School Diploma or GED is required. 1-3 years’ banking or loan experience with working knowledge in Loan Processing Platform and Appraisal Review is preferred. Understanding of banking regulations and responsibilities relating to each including a working knowledge of UCC, titles, mortgages and other aspects of the collateral position is preferred. Previous experience in general administration skills, which include keeping an office organized and running efficiently, is preferred. Proficiency with Outlook, Word, Excel, typing, 10-key and utilization of the internet is required. Willingness to demonstrate
Core 5 values
with customers and coworkers. HOURS OF AVAILABILITY
Regularly Scheduled Hours/Week: 40+ | Monday - Friday 8:00am - 5:00pm | Extended working hours may be required. Essential Duties And Responsibilities
Prepare and review loan documentation for consumer, commercial, and real estate loans and serve as a liaison to ensure accurate exchange of information. Coordinate loan closings and ensure required documentation meets regulatory and audit standards. Facilitate communication between Loan Officers, customers, appraisers, attorneys, branch staff, title companies, insurance providers, and other third parties. Assist with administrative tasks such as file management, data entry, reporting, and ensuring loan files are in compliance. Review mortgage loan applications to confirm adherence to Ability-to-Repay (ATR) and Qualified Mortgage (QM) rules per the Truth-in-Lending Act (TILA). Assess borrower financial capacity and identify red flags related to potential fraud, misrepresentation, or inability to repay. Adhere to strict confidentiality to maintain customer confidence and protection of bank operations. Operate computer software and equipment, telephone, scanner and copier. Proficiency with internal bank software, FCM/ImageCentre, and Loan Operations Platform will be required. Able to hold a valid driver's license, have access to reliable transportation for arriving at work on time, work on-site at assigned location, and a willingness to extend working hours when necessary. Additional duties may be assigned or required by management. SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities. Soft Skills
Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust. PHYSICAL DEMANDS
The employee must possess sufficient mobility to work in and move about in a standard office setting and sufficient hand, arm, and finger dexterity to operate a computer keyboard and other office equipment. Repetitive movement of the wrist, hands, and fingers may be required. Substantial time may be spent on the telephone, working on a computer, sitting and/or standing. The employee must have the ability to hear and articulate well enough to carry on a normal conversation, both in person and over telecommunications. Visual abilities required by this job include the ability to read materials in either a printed format or on a computer screen. The employee must occasionally lift and move up to 10 pounds. The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills including adding, subtracting, multiplying, and dividing whole numbers, fractions, and decimals. The position also requires the ability to read and interpret documents, articulate detailed information, and draft routine written communications, instructions and/or presentations.
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Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. Data from resume cannot be downloaded into application. Summary
First Security Bank is pleased to offer an exciting opportunity for a motivated, customer-focused individual to join our growing Lending team as a Loan Assistant / Mortgage Loan Specialist. If you enjoy building meaningful relationships, providing outstanding service, and contributing to the success of your local community, we’d love to hear from you! In this role, you will support loan officers and lending staff through a variety of administrative and operational responsibilities. You will prepare loan documentation, verify applicant information, maintain accurate records, and ensure compliance with all banking and regulatory requirements. This position also plays a key role in evaluating mortgage loan applications to ensure they meet applicable federal guidelines. This is an
onsite
position, offering the opportunity to work closely with local leadership, customers, and teammates while making a direct impact within the Mountain Home community. QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position. Candidates must be at a minimum, 18 years of age. High School Diploma or GED is required. 1-3 years’ banking or loan experience with working knowledge in Loan Processing Platform and Appraisal Review is preferred. Understanding of banking regulations and responsibilities relating to each including a working knowledge of UCC, titles, mortgages and other aspects of the collateral position is preferred. Previous experience in general administration skills, which include keeping an office organized and running efficiently, is preferred. Proficiency with Outlook, Word, Excel, typing, 10-key and utilization of the internet is required. Willingness to demonstrate
Core 5 values
with customers and coworkers. HOURS OF AVAILABILITY
Regularly Scheduled Hours/Week: 40+ | Monday - Friday 8:00am - 5:00pm | Extended working hours may be required. Essential Duties And Responsibilities
Prepare and review loan documentation for consumer, commercial, and real estate loans and serve as a liaison to ensure accurate exchange of information. Coordinate loan closings and ensure required documentation meets regulatory and audit standards. Facilitate communication between Loan Officers, customers, appraisers, attorneys, branch staff, title companies, insurance providers, and other third parties. Assist with administrative tasks such as file management, data entry, reporting, and ensuring loan files are in compliance. Review mortgage loan applications to confirm adherence to Ability-to-Repay (ATR) and Qualified Mortgage (QM) rules per the Truth-in-Lending Act (TILA). Assess borrower financial capacity and identify red flags related to potential fraud, misrepresentation, or inability to repay. Adhere to strict confidentiality to maintain customer confidence and protection of bank operations. Operate computer software and equipment, telephone, scanner and copier. Proficiency with internal bank software, FCM/ImageCentre, and Loan Operations Platform will be required. Able to hold a valid driver's license, have access to reliable transportation for arriving at work on time, work on-site at assigned location, and a willingness to extend working hours when necessary. Additional duties may be assigned or required by management. SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities. Soft Skills
Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust. PHYSICAL DEMANDS
The employee must possess sufficient mobility to work in and move about in a standard office setting and sufficient hand, arm, and finger dexterity to operate a computer keyboard and other office equipment. Repetitive movement of the wrist, hands, and fingers may be required. Substantial time may be spent on the telephone, working on a computer, sitting and/or standing. The employee must have the ability to hear and articulate well enough to carry on a normal conversation, both in person and over telecommunications. Visual abilities required by this job include the ability to read materials in either a printed format or on a computer screen. The employee must occasionally lift and move up to 10 pounds. The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills including adding, subtracting, multiplying, and dividing whole numbers, fractions, and decimals. The position also requires the ability to read and interpret documents, articulate detailed information, and draft routine written communications, instructions and/or presentations.
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