- Address member correspondence via inbound/outbound phone calls and email
- Onboards new first mortgages to FICS
- Orders coupon books
- Handles all internal/external member inquiries pertaining to documents (Notes, Deeds of Trust, Title Policies)
- Completes Verification of Mortgage forms
- Processes payoff requests and transactions for all real estate loan types
- Posts payments to all real estate loan types
- Responsible for mailing Goodbye (Retail Sold) and Welcome letters (Correspondent)
- May be cross trained in select duties of the Mortgage Loan Servicing Representative II position
- Sets up escrow accounts for new mortgages
- Responsible for transferring mortgages to investors in MERS in a timely manner
- Tracks recordation and processes lien releases on first mortgage and home equity Deeds of Trust
- Files all mortgage documents within the vault and tracks outgoing original documents
- Verifies accuracy of 10% of new mortgages and critical fields
- Responsible for research and corrections to mortgages
- Responsible for mortgage account transfers due to security breach or removal of member from account
- Has a thorough knowledge of FCRA; responsible for credit bureau reporting, disputes, and corrections
- Assists in the preparation of yearly 1098 and 1099 tax forms
- Reviews daily, weekly, and monthly reports
- May also be responsible for all or part of the duties of the Mortgage Loan Servicing Representative I position
- May be cross trained in select duties of the Mortgage Servicing Representative III position
- Reviews and audits new escrow setups for accuracy
- Disburses payment of taxes, insurance, and private mortgage insurance
- Contacts member regarding delinquent taxes and cancellation of insurance
- Responsible for the force placement of hazard and flood insurance as needed
- Coordinates with Management to pay delinquent taxes to prevent tax sale; redeems collateral from tax sale
- Analyzes, prepares, and mails annual escrow analysis statements
- Processes final escrow disbursements
- Reviews member requests for waiver of existing escrow accounts
- Reviews member requests for waiver of private mortgage insurance
- Coordinates mortgage hazard and flood insurance claims
- Files blanket coverage claims for home equity lines/loans
- Processes and verifies all rate adjustments on Adjustable Rate Mortgages and Commercial Loans
- Responsible for verifying monthly and quarterly rate adjustments on Home Equity Lines of Credit
- Responsible for loan modifications/partial releases on all real estate loan types
- Responsible for reviewing and processing year-end tax statements
- Completes MERS audits, tracks receipt of transfers on Correspondent Loans
- Responsible for servicing mortgages under the Servicemember's Civil Relief Act (SCRA)
- May also be responsible for all or part of the duties of the Mortgage Loan Servicing Representative I and II positions
- A high school diploma or general education degree (GED) and one-year relevant experience and/or training required
- Excellent communication skills - written, oral, and listening
- Ability to work independently, as well as collaboratively
- Acute sense of urgency, with strong time management skills - meeting critical deadlines/goals with accurate work
- Ability to prioritize and multi-task
- Must be proficient in Microsoft Suite
- A high school diploma or general education degree (GED) and two to four years relevant experience required
- Bachelor's Degree in relevant field preferred and three to six years relevant experience required
- Strong knowledge of mortgage systems, mortgage procedures, credit union and governmental agency regulations and policies.
- $45,000 - $75,625 / Annually (based on experience and level)
- 401(k) match to 6% of earnings - immediate enrollment and 100% vesting
- Choice of two health plans
- Dental
- Vision
- Life Insurance - no cost
- Long-term Disability Insurance - no cost
- Employee Assistance Program - no cost
- Paid vacation
- Paid sick time
- 11 Paid holidays
- Profit Sharing eligible
- Pet Insurance
- Identity Theft Protection
- Remote-Hybrid (will require onsite presence)