Answer bank customer inquiries regarding loan accounts.
Deliver high level service to internal and external customers.
Board new loans and process payments for hospital loan accounts, credit cards, mortgage and consumer loans.
Reviews boarded loan data for accuracy and timeliness and follows up on the receipt of title policies and recorded security instruments from title companies.
Process escrow transactions including disbursements, contributions, and annual analysis
Analyze and act upon daily, weekly, monthly, and quarterly core system reports
Establish and maintain automatic transfers on all loan accounts
Handle the tracking of insurance coverages through the bank’s third-party affiliate
Provide payoff quotes to outside lenders
Prepare documents for paid off loans, release security interest, and maintain permanent loan records.
Fulfill, manage, and respond to the First Federal Lock Desk requests and obtain lock contracts on the secondary market.
Sell and deliver mortgage loans to investors
Draft and deliver various customer correspondence including letters, revised loan documents, and modification agreements.
Conduct positive interactions with the bank’s business partners that promote a strong business relationship
Carry out all other projects or special assignments by management.
Perform all job duties and maintain compliance with all banking acts, laws and regulations applicable to your job function.
Non-Essential Duties and Responsibilities
Make a daily personal improvement in assigned tasks or the immediate work environment.
Frequently offer ideas and suggestions to improve operational efficiency.
Disposition daily unposted and returned proof of deposit items
Manage and follow up on outstanding escrow holdback agreements according to underwriting requirements
Service insurance policies including flood, hazard, and mortgage insurance coverage
May make branch visits for trainings and/or meetings.
Train other department employees in loan servicing tasks.
Maintain accurate record of loan rate indexes.
Register, review, and transfer electronic mortgage servicing rights
Manage construction projects including draw requests, tracking software, and conversions to permanent financing
Deliver eligible loans to investors on the secondary market.
May perform a variety of clerical duties which require departmental procedures such as: putting away files, sending files/documents to branches, filing, correspondence, scanning loan documentation for uploading, etc. as needed.
Qualifications Required
(Required education may be satisfied by experience and/or working knowledge)
A High School Diploma or equivalent and a basic knowledge of Microsoft Word and Microsoft Excel is required.
Physical Requirements and Working Conditions
Sitting for extended periods of time, requires close visual acuity and the ability to work and operate computer applications and equipment including copy machine, telephone, scanner or other basic office equipment. Some infrequent travel is required for branch/department visitations. The job is within the normal office environment range. The ability to lift, move or carry at least 20 pounds.
Qualifications Preferred
An Associate’s Degree, one year of loan servicing experience and/or accounting general ledger experience, one year of mortgage or consumer loan processing, one year of banking customer service or related experience is preferred.
Experience
Required
Basic knowledge of Microsoft Word and Excel.
Preferred
1 year(s): Banking, customer service, or related experience.
1 year(s): Mortgage or consumer loan processing experience.
1 year(s): Loan servicing and/or accounting general ledger experience.
Education
Required
High School/GED or better
Preferred
Associates or better
Skills
Required
Windows
Preferred
Prioritization
Dependable
Communication
Excel
Customer Service
Behaviors
Required
Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
Preferred
Dedicated: Devoted to a task or purpose with loyalty or integrity
Team Player: Works well as a member of a group
Loyal: Shows firm and constant support to a cause
Innovative: Consistently introduces new ideas and demonstrates original thinking
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
