Job Description:

Rivermark Community Credit Union has been offering superior financial services with a member focus since 1951. Like the members we serve, we’re innovative, visionary and technologically proficient when it comes to work and finances. Credit Union Difference Rivermark is a not-for-profit financial cooperative, owned by the people who save and borrow here. Unlike a bank, Rivermark does not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to members in the form of lower rates, higher dividends on deposits and lower fees. We exist solely for the benefit of our member/owners. While credit unions and banks offer similar products and services, the similarities end there. Our History Rivermark was founded in February 1951 by 140 grocery store employees who formed Safeway Portland Employees Federal Credit Union. In 2004, the credit union was approved for a community charter and changed its name to Rivermark Community Credit Union. Today, the Credit Union operates 7 branches in Oregon and serves over 90,000 members. Deposits are federally insured by the National Credit Union Administration (NCUA).

Summary

Performs a variety of operational duties related to mortgage loans in compliance with Credit Union policies, procedures and related laws and regulations. Acts as a liaison between Credit Union and Secondary Marketing Partners. Performs mortgage payments, escrow account maintenance, investor reporting and loan quality control reviews.

Primary Duties & Responsibilities

1. Serves as escalation and resolution point of contact to members for all servicing related inquiries on Mortgage and Home Equity loans. Identifying and processing corrections as necessary.


2. Provides and reviews all reporting with Mortgage Director to ensures all data is complete and accurate for loan servicing.


3. Performs quality control review on funded loans. Including providing packages to third party QC vendor.


4. Maintains technical knowledge and ensures adherence of all Fannie Mae Servicing requirements.


5. Reviews and performs daily batch reporting to ensure systems communication between servicing and on-line bank systems.


6. Maintains processing and filing of all physical loan files, collateral and other mortgage loan documents.


7. Maintains PITI custodial bank accounts.


8. Assists Collections in reviewing all Loan Modification/work out solutions and facilitates approval with Mortgage Director.


9. Performs lock and hedge duties for all Investor loan products.


10. Utilizes Credit Union reference tools and other resources to provide accurate and up-to-date loan program and policy information to external members and internal business partners.


11. Seeks ways to streamline work processes and continuously improve the Credit Union.

Rivermark is a proud EEO employer. We welcome applicants of all backgrounds including minority and underserved populations.

We celebrate and value  diversity in the workplace.

Education/Experience

High school diploma or equivalent. Minimum five years mortgage servicing experience, with investor delivery knowledge of FNMA, required.

Requirements Skills, Job Knowledge & Abilities

1. Must follow the Credit Unions written policies and procedures to ensure compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), to include completion of the registration process, use of the unique identifier and maintenance of this registration as required.


2. Strong customer service skills with ability to apply empathy.


3. Ability to remain flexible and professional as priorities shift.


4. Ability to take direction and work independently with minimal oversight.


5. Experience reviewing mortgage loan documents for post-closing quality control.


6. In depth knowledge of Fannie Mae and Freddie Mac reporting procedures.


7. Experience with delivery of first mortgages to the secondary market.


8. Accounts payable experience in order to monitor payment bills from escrow accounts.


9. Ability to use judgement and discretion when handling confidential member mortgage information.


10. Proficiency with Microsoft Office software.


11. Through understanding of real estate terminology including first, second and adjustable rate mortgages, trust deeds, rescission periods and reconveyances.


12. Ability to work collaboratively with other positions on the team and within the Credit Union.


13. Detail-oriented, with strong numerical aptitude and desire for accuracy.


14. Professional written and verbal communication skills.


15. Ability to organize and prioritize work to meet processing deadlines. Proven ability to follow through on tasks with accuracy.

Supervisory Responsibility

This position has no direct supervisory responsibility.

Interpersonal Contacts

Frequent contact with members and employees. Occasional contact with employers and creditors of members.

Rivermark is a proud EEO employer. We welcome applicants of all backgrounds including minority and underserved populations.

We celebrate and value  diversity in the workplace.

Salary: $26.00

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