Job Description:
SUMMARY:
Responsible for any and all entry level tasks related to the servicing of a loan to include adherence to all company policies, compliance with federal regulations and investor guidelines.
ESSENTIAL DUTIES:
- Project friendliness and professionalism in both appearance and attitude when dealing with customers in order to present a positive Riverview image.
- Reconciliation of general ledger accounts, daily review of exception reports and action if required.
- Provide timely and accurate customer service both internally and externally using problem-solving skills to satisfy customer needs and ensure accurate resolution to customer requests.
- Daily functions to include but not limited to:
- Boarding to core bank system Consumer and HELOC loan products.
- Loan maintenance, daily reports, review of loan files and coordination with the accounting department to ensure accurate reporting and loan status.
- System file maintenance to include auto-pay, external ACH, non-posted items, etc.
- Loan payment processing including returned items.
- Closed loan processing and reconciliation.
- Documentation of collateral / collateral requirements and upload to documentation retention system including prepare/review legal files.
- Insurance processing – level one.
- Quality Control Core Index Tables.
- Review system generated Notices.
- Research for subpoena and IRS summons.
- Right to lien notice processing.
- Assist Customers via email and phone calls.
- Dept. administrative duties such as mail disbursement, returned mail processing, ordering supplies, covering the Receptionist and participate in special projects as needed.
Additional Duties & Responsibilities:
- Participate in and complete training objectives with passing scores.
- Follow all Riverview Community Bank policies and procedures
- Other duties as assigned.
RELATIONSHIPS
- Daily contact with the Supervisor/Manager to receive direction and interpretation of existing and new procedures.
- Daily contact with loan officers, mortgage processors, and other Loan Servicing personnel to provide information and assistance.
- Occasional contact with representatives of businesses who provide necessary confirmation, documentation, etc., of various types of loan related information (i.e., appraisers, title and credit companies, real estate agencies, and various government agencies).
QUALIFICATIONS
To perform this job successfully requires a higher level of independent problem solving to perform all essential duties. The requirements listed below are representative of the knowledge, skill, and ability required to complete advanced daily responsibilities and tasks. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE REQUIREMENTS
High school diploma or general education degree (GED); and one year of related experience or a combination of education/experience.
SKILLS:
- Basic knowledge of basic servicing functions, related regulations (CRA, HMDA, RESPA, etc.).
- Basic knowledge in computers, Excel, Word, and Outlook applications. Ability to understand components of loan operations programs/software such as core and internet based applications.
- Ability to work with limited guidance to ensure specific tasks are completed within quality and time standards.
- Ability to present factual information and respond to questions from internal and external customers in a professional manner.
- Ability to solve practical problems and deal with a variety of variables in standard situations.
- Ability to follow a variety of instructions furnished in a written and/or oral manner
- Ability to read and interpret operating and maintenance instructions, procedures, safety rules and company manuals.
- Ability to write basic correspondence
- Ability to calculate figures and amounts such as percentages, ratios, fractions. and apply basic accounting practices/standards.
- Ability to be flexible in a changing work environment.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to use hands to finger, handle, or feel and reach with hands and arms in accessing files. The employee is occasionally required to stand; walk; and stoop, kneel, or crouch. In handling files, manuals and other printed materials; the employee must regularly lift and/or move up to 25 pounds and rarely lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision in working with computers and documents.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock in working with standard office equipment. The noise level in the work environment is usually moderate.
COMMENTS
In supporting the accomplishment of company and departmental goals, it is the employee's responsibility to do all that is necessary to provide quality service to customers and fellow employees while furthering the positive image and interests of Riverview Community Bank. It is also the employee's responsibility to continually strive to maximize personal growth.
Loan Servicing
