Sydney Ebert
Kalispell,MT
Summary
Mortgage professional with strong background in managing loan applications, supporting underwriting processes, and ensuring compliance with regulations. Known for effective team collaboration and responsiveness to changing needs. Skilled in customer service, documentation, and financial analysis. Reliable and results-focused, consistently delivering high-quality support.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Mortgage Loan Assistant
Stockman Bank of Montana
Whitefish, MT
06.2025 - Current
- Assisted mortgage loan officers in the processing and closing of minimum 5 loans per month
- Reviewed loan applications for completeness and accuracy, ensuring all required documentation was included
- Communicated with borrowers to collect necessary financial information and supporting documents
- Prepared loan files for underwriting review, organizing documents and verifying data integrity
- Performed credit checks on applicants to assess their eligibility for mortgage loans
- Collaborated with appraisers, title companies, and insurance agents to coordinate property inspections and obtain necessary documentation
- Maintained accurate records of all communication with borrowers throughout the loan process
- Provided administrative support to mortgage loan officers by managing calendars, scheduling appointments, and preparing meeting materials
Loan Assistant
USDA-RD
Kalispell, MT
09.2024 - 05.2025
- Assist in analyzing financial and credit data documents to make eligibility, feasibility, and credit-worthiness determinations on program applications.
- Assist reviewing file for completeness and compliance with all prescribed regulations and practices before loan closing.
- Meet with other lenders and potential borrowers to explain Rural Development programs and requirements.
- Prepare conditional commitments, funding commitments and notifications of loan closing, and certificates of eligibility.
- Answer incoming general phone line and direct callers to the appropriate department.
- Provide assistance with general loan serving questions.
Mortgage Loan Officer
First Interstate Bank
Kalispell, MT
09.2023 - 09.2024
- Verify the information provided on applications to obtain more information if missing data or mistakes are present.
- Communicate with clients to help them choose the best mortgage loan they can afford.
- Collect data from clients, such as their assets, salaries, debts and employment status.
- Review file documentation for missing or erroneous information
- Verify information about applicant history with credit bureaus and other agencies so the lender can approve or deny the loan.
- Remain aware of loan application deadlines and inform customers about them.
- Maintain knowledge of program and loan types offered to align with client borrowing needs.
Construction Loan Administrator
First Interstate Bank
Kalispell, MT
08.2019 - 09.2023
- Manage a multitude of different tasks from the onset of construction projects through completion.
- Accurately advance funds per contractor request, while maintaining bank policy and client direction when necessary.
- Maintain documentation for each project including building permits, date down endorsements, lien waivers and certificates of occupancy.
- Furthered my ability to work both independently and as a team member.
- Provide responses to a range of client concerns and questions, including construction process and basic loan servicing questions.
- Prepared initial documentation for construction closings including CD, note and required documentation for South Dakota, Montana and Wyoming.
- Educated myself on state requirements for permitting, lien process and policies for specific title companies.
Commercial Banking Representative
First Interstate Bank
Kalispell, MT
05.2017 - 08.2019
- Correctly and efficiently process new loan input sheets including: data entry on term, rate, loan type, customer information, repayment terms, etc.
- Consistently ensure proper documentation is collected including: all business entity information, collateral title searches, loan approval verification, credit, flood and insurance information, and other documentation as required for each individual loan.
- Efficiently process high volume of construction draws and check payments.
- Diligently track lien waivers and 1099-misc information for contractors.
- Collaborate with title companies to obtain payoff quote requests.
- Perform flooring line account maintenance including: inspections, curtailment and interest payments, and processing new flooring unit requests-including fund disbursement, NADA or other valuation.
- Detail oriented lien perfection on real estate, titled property, UCC and other individual filing for both consumer and commercial accounts.
- Coherently and correctly used tickler management for insurance and lien expiration as well as annual financial requests.
- Attentive report monitoring, including: past due, review of notes coming due, and paid notes.
- Correctly upload and maintain requisite customer information and documentation.
Loan and Escrow Clerk
Valley Bank of Kalispell
Kalispell, MT
06.2012 - 05.2017
- Detail oriented lien perfection for: UCC, real estate, titled property, aviation liens, and other types of security depending on the specific loan.
- Correctly processed new notes, and paid notes.
- Cheerfully performed account maintenance and customer service calls for loan clients and provided miscellaneous support on the deposit side.
- Diligently monitored paid notes, past due notes, and note and loan exception reports and performed daily account upkeep.
- Processed a high volume of new long-term escrow accounts, while attentively servicing existing accounts.
- Developed an understanding of bank participations and some SBA participations.
Education
Bachelor of Science - Business Administration And Management
Western Governors University
Salt Lake City, UT11-2022
Skills
- Loan servicing
- Teamwork orientation
- Microsoft office
- Appointment scheduling
- Loan processing
- Regulatory compliance
- Residential mortgage lending regulations
- Loan origination
- Closing coordination
- Customer service
- Self motivation
Certification
NMLS #2533544
Timeline
Mortgage Loan Assistant
Stockman Bank of Montana
06.2025 - Current
Loan Assistant
USDA-RD
09.2024 - 05.2025
Mortgage Loan Officer
First Interstate Bank
09.2023 - 09.2024
Construction Loan Administrator
First Interstate Bank
08.2019 - 09.2023
Commercial Banking Representative
First Interstate Bank
05.2017 - 08.2019
Loan and Escrow Clerk
Valley Bank of Kalispell
06.2012 - 05.2017
Bachelor of Science - Business Administration And Management
Western Governors University