Current Job Openings

Mortgage Underwriting Supervisor: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 3/6/15
Status: Full-Time

Job Summary: Is responsible for the supervision of the underwriting staff, and to keep staff updated on changes in program guidelines. Mortgage Underwriting Supervisor will be under the direction of the Mortgage Department Manager. Underwriter will be responsible for review and underwriting of all FHA, VA and conventional loans generated by Bell State Bank & Trust. Minimum of 3 to 5 years of underwriting experience is required. Full understanding of FHA (DE approved), VA (approved VA underwriter), and FNMA Freddie Mac guidelines.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Mortgage Underwriter: Minneapolis, Minn.

Company: Bell Mortgage
Date posted: 3/5/15
Status: Full-Time

Job Summary: Complete conventional/government (HUD/VA/USDA) underwriting reviews in accordance with agency, investor, & appraisal guidelines in a timely manner insuring compliance, quality & meeting closing schedules. Counsel production & processing staff on current & proposed loan submissions providing high level of customer service. Primary duties include:

  • Underwrite conventional loans in accordance with all agency & investor guidelines & standards.
  • Respond to all agency, investor, & internal audits to defend & support decisions for current & aged loan files.
  • Work with Bell production staff to explain agency/investor guidelines when discussing or reviewing appraisals, credit submissions, & scenario questions.
  • Complete comprehensive review of entire loan package, from credit through appraisal through required documentation, to issue final underwriting decision.
  • Complete all underwriting reviews in a timely manner to meet proposed closing schedules & turn-time expectations.
  • Remain informed of all mortgage insurance program guidelines & offerings.
  • Keep informed & follow all corporate underwriting policies.

Required Knowledge, Skills and Abilities:

  • Five years conventional underwriting experience
  • Thorough understanding of all agency & investor underwriting policies.
  • Ability to thoroughly review all conventional & government loan submissions & to independently make prudent lending decisions based on program guidelines.
  • Ability to review residential collateral (including condos) per agency and investor policies.
  • Ability to work efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
  • Must have an overall understanding of Economic & Real Estate markets from the locations where company originates loans to properly evaluate credit & collateral loan package.
  • Ability to work well with people with diversified personalities
  • Ability to manage multiple tasks and deadlines simultaneously.
  • Excellent written and verbal communication skill to provide exceptional customer service.
  • Must have proficient knowledge of industry standard computer programs.

Bell Mortgage provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell Mortgage
Human Resources
5500 Wayzata Blvd Suite 300
Minneapolis, MN 55416


User Support Specialist: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 3/4/15
Status: Full-Time

Job Summary: This is a senior position on the Information Technology User Support team with responsibility for providing and supporting superior customer service, primarily to internal customers, via the phone, email, and in person. Support services will also include project contributions, advanced troubleshooting, advanced system administration, device and peripheral support, and vendor management.

Experience should include at least 5 to 7 years of advanced experience working autonomously with PCs, Windows Deployment Services, Active Directory, antivirus, and encryption; along with network routing and client/server programming. Familiarity with the Project Management Methodology. Flexible hours required.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Payment Processing Specialist: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 2/25/15
Status: Full-Time

Job Summary: This position is responsible for the payment processing function for the bank which includes, but is not limited to, the following payment channels: ACH, Branch Capture, Debit Card, Lockbox, and Remote Deposit Capture. This individual will perform a variety of tasks to ensure payment processing functions are completed in a timely and accurate manner and provide support on any payment inquiries. The preferred candidate will have a two year degree in accounting or business.

A background in bank operations or finance is essential along with excellent verbal and written skills, strong organizational, research, analytical and problem-solving skills. Knowledge and proficiency using Windows 7 and Microsoft Office is required.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Customer Service Representative: Fergus Falls, Minn.

Company: Bell State Bank & Trust
Date posted: 2/25/15
Status: Full-Time

Job Summary: This position represents Bell State Bank & Trust to the customers in a courteous and professional manner and is responsible for providing prompt, efficient and accurate service in the processing of transactions in accordance with established policies and procedures. This position will work in the teller area and customer service area as scheduled.

Flexible hours required.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Deposit Services Legal Analyst: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 2/25/15
Status: Full-Time

Job Summary: This position is responsible for operations legal support, application expertise, and quality assurance, interpretation of legal documents, common file maintenance testing, software upgrade application testing, researching deposit applications issues and acting as a liaison between the department and other business units. This position is also responsible for supporting the IRA function, deposit services specialist and representative positions. This position requires a degree or certificate in paralegal studies. Bank experience is helpful.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Loan Officer Assistant: Minneapolis, Minn.

Company: Bell Mortgage
Date posted: 2/18/15
Status: Full-Time

Job Summary: Under supervision and management of the Loan Officer help build a team with the goal of growing and expanding the team’s business while ensuring the highest possible level of customer service to the team’s clients.

  • Assist Loan Officers in managing new and existing loan volume
  • Assist the Loan Officers with marketing their services
  • Maintain Customer Data Basis and assist in marketing to previous mortgage customer to increase volume
  • Assist and maintain contact with clients, realtors, builders and others to maintain and deepen relationships to foster new business opportunities.
  • Keep informed of the trends and developments in the general real estate industry as well as the changing rules and regulations pertaining to all 1st mortgage origination.
  • Provide high level of assistance to internal and external customers in person and on the phone.
  • Review all documents for completeness and compliance with investor requirements.
  • Follow up on missing documents.
  • Maintain comprehensive understanding of the loan origination process and all functions within the processing and closing departments.
  • Ensure adherence to lending compliance requirements and internal procedures.
  • Performs other work related duties as assigned by loan officer.

Required Knowledge, Skills & Abilities:

  • Minimum 2 year mortgage banking experience, real estate or strong sales experience with demonstrated potential to transfer skills to mortgage origination and processing.
  • Working knowledge of standard loan products in the industry and familiarity with underwriting guidelines.
  • Excellent customer service and communication skills Ability to work with in Bell systems and procedures
  • Ability to support the loan officer in technology
  • Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.

Bell Mortgage provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell Mortgage
Human Resources
5500 Wayzata Blvd Suite 300
Minneapolis, MN 55416


Mortgage Processor: Minneapolis, Minn.

Company: Bell Mortgage
Date posted: 1/28/15
Status: Full-Time

Job Summary: Processing all mortgage loans assigned to them from the loan officers or supervisors by performing the following essential duties and responsibilities:

  • Reviews all new loan applications within 72 hours of receipt of file to ensure compliance with all investor agency/federal compliance guidelines.
  • Updates loan files, the mortgage computer system, and the tracking system as information is received; prepares final loan package for closing and final approval.
  • Requests information as needed from customers, obtains credit reports, ordered appraisals, title binders, surveys and tax transcripts as well as mails verification of deposit, verification of employment, and verification of mortgage forms; and updates loan files and tracking systems when forms are returned.
  • Reviews and analyzes credit documents for accuracy and compliance with investor/ agency guides. Identifies potential problems and discusses them with loan officer and/or supervisor.
  • Serves as the contact for borrowers, sellers, and agents involved in loan file, notifying and working with them to resolve any problems that may arise.
  • Submits the loan file directly to the underwriting department without prior review from supervisor. If necessary prepare cover letter highlighting compensating factors. Follow up on all outstanding underwriting conditions and resubmit as needed.
  • Provide calculation of borrower’s income according to investor/agency guides, including but not limited to borrowers with multiple sources of income.
  • Follow and monitor the schedule of closing with title companies.
  • Prepares loan file for closing, secure MDIA compliance review and hazard insurance binder, H06 for condominiums and PUD’s, completion of pre-closing checklist.
  • Final HUD review.
  • Update Loan Officers with current file status weekly.
  • Prepare and submit closed loan file to Post Closing within 24 hours of final disbursement.
  • Assist Post Closing with any investor pend issues.
  • Remain informed of all aspects of investor/agency/compliance policies that affect the processing of mortgage loans.
  • Remains knowledgeable of all loan programs offered.
  • Perform other work related duties as assigned by supervisor.
  • Respond in a timely manner to Quality Control inquiries/exceptions on all audit reviews.

Required Knowledge, Skills & Abilities:

  • Must have a minimum of 5 years Mortgage Loan Processing experience.
  • Full understanding of FHA/VA, FNMA, FHLMC, FDIC Compliance, ATR/QM, mortgage audit underwriting, appraisal and investor guidelines.
  • Must have proficient computer and accurate typing skills.
  • Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
  • Must be able to manage time, prioritize and multi-task.
  • Work extremely well with internal and external customers using excellent written and oral communication skills.
  • Must be detail orientated and have the ability to put puzzle pieces together.
  • Ability to work well with people with diversified personalities.
  • Ability to work as a team member
  • Self motivated to research and problem solve.

Bell Mortgage provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell Mortgage
Human Resources
5500 Wayzata Blvd Suite 300
Minneapolis, MN 55416


Information Security Engineer: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 1/15/15
Status: Full-Time

Job Summary: This position will assist with ensuring the confidentiality, availability and integrity of the bank’s information infrastructure by assisting with Bell’s vendor management and business continuity efforts. This individual may lead security related projects while monitoring and providing information security guidance and will assist with Bell’s incident response and risk assessment efforts as required.

This position requires a 2 to 4 year degree and 3 to 5 years equivalent work experience. Knowledge or experience in the following areas is preferred: IT, engineering, business administration, business continuity, project management.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Virtual Bank Service Consultant: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 12/18/14
Status: Full-Time

Job Summary: If you like to work with people in a family atmosphere, enjoy great benefits, and seek fast paced growth in skills and earning potential, consider a career with Bell State Bank & Trust’s Virtual Bank.

The successful candidate would provide unequaled personal service to customers for a wide variety of banking products and services via digital channels including online, mobile, voice, and chat.

This position requires excellent human relations and communications skills. Previous experience is preferred in the areas of personal, business, and electronic banking.

There are a variety of shifts available including premium pay for evenings and weekends.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Commercial/Ag File Review: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 12/18/14
Status: Full-Time

Job Summary: This position is responsible for reviewing commercial/ag, commercial/ag real estate, and construction loan files for proper documentation prior to and post loan closing. The Commercial/Ag File Review position ensures that files are complete and documents comply with Regulations Z, O and B.

The candidate for this position must be detail oriented, possess excellent communication skills and good working knowledge of rules, regulations and policies relating to commercial/ag loan documentation acquired through a minimum of two years of experience.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Teller: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 12/12/14
Status: Full-Time

Job Summary: This position will provide prompt, efficient and accurate service in the processing of bank teller transactions. The Teller position requires excellent communication and customer service skills. Various shifts are available.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


VP/Correspondent Banking Business Development Officer: Wisconsin

Company: Bell State Bank & Trust
Date posted: 12/3/14
Status: Full-Time

Job Summary: This position is responsible for actively calling on new and existing Bell State Bank & Trust correspondent banking relationships, as well as new prospects. This individual will be expected to identify and solicit bank management, executive officers and director loans and their related interests of correspondent banks. This position will play a key role in representing Bell State Bank & Trust at various regional banking conventions and seminars.

The VP/Correspondent Banking Business Development Officer position requires 10 years of commercial, correspondent or bank examination experience as well as a 4 year degree in accounting, finance, business administration or related field. This individual must be proficient at business development. Overnight travel is required.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Customer Service Representative: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 11/6/14
Status: Full-Time

Job Summary: This position will represent Bell State Bank & Trust to customers in a courteous and professional manner, and provide prompt, efficient and accurate service in the processing of transactions in accordance with established policies and procedures. This individual will be responsible for working in both the teller area and customer service areas as scheduled.

This position requires good communication, listening, social, bookkeeping, calculator and computer skills. The preferred candidate must have the ability to prioritize tasks.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Part-Time Teller: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 10/24/14
Status: Part-Time

Job Summary: This position will provide prompt, efficient and accurate service in the processing of bank teller transactions. This position requires excellent communication and customer service skills. Various shifts are available.

Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Credit Officer: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 10/23/14
Status: Full-Time

Job Summary:
This position primarily collaborates with commercial and agriculture lenders to underwrite and document credit requests and provide on-going support for administration of the commercial loan portfolio.

This individual’s primary duties include:

      • In conjunction with the business/ag bankers, interview prospective business loan customers in an effort to make a preliminary determination as to the nature and feasibility of the credit request.
      • Analyze the financial and other related information to determine the general creditworthiness of the prospect and the merits of the specific loan request.
      • Establish and negotiate, where necessary, terms under which the credit could be structured.
      • Prepare the loan committee presentation and required supporting documentation and present to the appropriate approval authority.
      • Monitor the credit facility once it is booked, including an assessment of interim financial information.
      • Assist lenders with the preparation of annual credit reviews and problem loan summaries.

This position requires a four year degree in accounting, finance, agri-business or related field and three to five years of credit, lending (commercial/ag) or examining experience is preferred.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103


Software/Business Analyst: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 10/9/14
Status: Full-Time

Job Summary: This position will act as a liaison by facilitating communication between assigned business units and the software development team. This includes: communicating internal business needs and researching and assisting with the implementation of software projects. The ability to perform training in conjunction with new software implementations, as needed, will be an additional responsibility. This person must provide the necessary support for solution problems and questions delivered with high-quality customer service.

The preferred candidate for this position would have a minimum of five years of experience working on and supporting software development projects. A bachelor’s degree in computer science or related field is required as well as experience in software related technologies such as .net, Microsoft SQL Server and web services.

Bell State Bank & Trust provides an excellent benefits package. Apply now! Complete our job application, print and return to:

Bell State Bank & Trust
Human Resources
3100 13th Avenue South
Fargo, ND 58103

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