Current Job Openings

Commercial/Ag Loan Assistant: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 4/6/15
Status: Full-time

Job Summary: This position is responsible for working in partnership with commercial/ag loan officers and credit analysts to coordinate loan information and documentation for customers. This position gathers information/documentation, researches and problem-solves to complete loan requests and closings of both simple and complex commercial/agricultural loans. Must be detail-oriented with good discretionary, organizational and critical-thinking skills. Two years of Loan Documentation experience 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


Part-Time Loan Officer Assistant: Maple Grove, Minn.

Company: Bell Mortgage
Date posted: 3/20/15
Status: Part-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 and 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


Accountant: Minneapolis, Minn.

Company: Bell Mortgage
Date posted: 3/20/15
Status: Full-Time

Job Summary: This position is responsible for providing accounting and administrative support to the Bell Mortgage Accounting Department of Bell State Bank & Trust. This entails producing high-quality, professional support that is accurate, complete and fulfills the intended purpose. The employee in this position must present a positive image to employees and customers contacted on a daily basis. The responsibilities of this position also require a high level of confidentiality to be maintained at all times.

Primary Duties:

Mortgage Accounting

  • Process and enter mortgage-related accounting activity in the AMB General Ledger, including deposits, wire transfers, credit card transactions and miscellaneous credits and charges in the Bell Mortgage checking account.
  • Process uploads of data from Encompass / Bellos loan origination systems for loan closings and loan sales. Reconcile activity and make appropriate journal entries in AMB system.
  • Assist in the month-end close each month.

Payroll

  • Accurately prepares and processes all data pertinent to the semi-monthly payroll for Bell Mortgage Division of Bell State Bank and Trust. This includes all duties necessary to add any changes communicated from human resources, process regular semi-monthly payroll and maintain all records and supporting documentation.
  • Monitor and help maintain Kronos (Time and Labor Online), our time clock system. This includes time exception reports, FTO, holiday hours, and data entry to the ADP System.
  • Prepare and distribute payments of any voluntary employee deductions such as insurance premiums, flexible benefits, garnishments and child support. Monitor new hires and terminations in working with health insurance, Cobra, flexible benefits and 401(k).
  • Maintain accurate payroll records for ease of research and completion of any other required reports as directed by management or external auditors.
  • Know by name and face as many employees & clients as possible, calling them by name as often as possible.
  • Provide any other assistance to Human Resources and Accounting/Finance whenever required and perform other duties as assigned.

Loan Officer Commission Reports

  • Accurately prepare and process monthly loan officer commission reports for Bell Mortgage Division of Bell State Bank and Trust. This includes processing and entering draw information and coordinating research requests for commissions on certain loans in order to determine a final commission report for the month.
  • Maintain and monitor AMB Loan Officer Commission set-up screens to ensure that data reflects all current loan officer contracts. This includes all changes, additions and deletions of loan officer contract information and testing to make sure it is accurate.
  • Maintain electronic and paper backup records of all reports as required by accounting/bank management and internal/external auditors.

Accounts Payable

  • Pay all vendors of the Bell Mortgage Division in a timely manner. This includes distributing invoices for manager approval, verifying proper use of GL codes and cost centers, coding invoices for input and generating miscellaneous checks as necessary.
  • Maintain the Accounts Payable module of Prologue and all vendor files. This includes making sure all vendor records are accurate and filing is organized.
  • Track, monitor, prepare and submit Sales and Use Tax Reports for the Bell Mortgage Division in a timely manner.
  • Send Form W-9 Requests to new vendors and prepare Form 1099-MISC at year end.
  • Provide courteous, accurate and speedy telephone assistance to customers or coworkers regarding their accounts.
  • Provide backup assistance for other finance positions and perform other duties as assigned.

Other

  • Assist whenever possible in special projects as instructed.

Required Skills and Abilities:

    • Although not an absolute requirement, an undergraduate degree in accounting is desirable.
    • 2+ years of experience in general accounting work is highly desirable.
    • It is highly desirable that the person occupying this position has had mortgage banking experience.
    • The individual occupying this position must have a comprehensive knowledge of Excel and Word and must possess overall computer skills.

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 Compliance Specialist: Minneapolis, Minn.

Company: Bell Mortgage
Date posted: 3/20/15
Status: Full-Time

Job Summary: The primary function of this position is to perform initial disclosures, re-disclosures and cancellations in accordance with federal regulations.

Primary Duties:

  •  Monitors initial disclosure due dates via LOS system. Prepares, validates, and sends initial disclosures and application packages within the regulatory timeframe. Evaluates fees on initial disclosure requests from production staff to ensure accuracy and completeness.
  •  Monitors changed circumstances via LOS system. Prepares and sends re-disclosures within the regulatory timeframe. Evaluates re-disclosure requests from production staff to ensure validity.
  • Ensures all necessary disclosures are provided based on loan type and purpose.
  • Monitors aging applications on the LOS system to ensure files are properly documented and/or cancelled within the regulatory timeframes.
  • Prepares and sends adverse action notices when required within regulatory timeframes. Ensures adverse action notices contain the proper denial reason.
  • Properly documents cancelled applications in accordance with HMDA and ECOA requirements.
  • Communicates with Loan Officers and/or Processors as needed to ensure consistent communication with borrowers.
  • Provides feedback to Supervisor regarding processes and procedures to ensure maximum efficiency and to enhance adherence to compliance issues.
  • With guidance from the Supervisor, stays abreast of all regulatory changes affecting job duties.
  • Performs other duties as assigned.

Required Skills:

  • Strong attention to detail
  • Strong organizational skills
  • Ability to communication information clearly and concisely both verbally and in writing
  • Ability to follow written and verbal directives
  • Ability to meet deadlines consistently
  • Strong computer skills: Proficient with Microsoft Word, Excel and Outlook
  • Ability to work independently with minimal supervision
  • Ability to articulate ideas and methods to improve workflow
  • Ability to manage multiple projects while adhering to strict deadlines
  • Ability to adapt to changes to procedures and regulatory requirements
  • Experience with Encompass 360 preferred, but not required
  • 3 years mortgage compliance experience preferred, but not required.

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: Phoenix, A.Z.

Company: Bell Mortgage
Date posted: 3/20/15
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.

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


Part-Time Tellers: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 3/16/15
Status: Part-Time

Job Summary: Bell State Bank & Trust is seeking applicants for part time Teller positions.

If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell State Bank & Trust.

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. Must be flexible to work evenings and Saturdays as needed.

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 Consultants: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 3/16/15
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


Part-Time Virtual Bank Service Consultants: Fargo, N.D.

Company: Bell State Bank & Trust
Date posted: 3/16/15
Status: Part-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


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


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


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


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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