Loan Servicer

GTE Financial•Tampa, FL

7d•Hybrid

About The Position

GTE Financial is seeking a detail-oriented, organized Loan Servicer I to handle routine functions in the mortgage loan servicing area. The role is responsible for servicing member home loans, including accurate and timely payment, tax, and insurance processing; credit reporting; dispute resolution; and maintaining compliance with required notifications and documentation. The position also provides professional member service and supports the accuracy of mortgage servicing records and systems. The position is based at GTE Headquarters in Downtown Tampa and is classified as hybrid. Employees must maintain a consistent on-site schedule and report to Headquarters at least two days per week. Hybrid employees must live within driving distance and meet the stated home-work technical requirements, including power, high-speed internet, and video capability. Department hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Full-time hours are required, with additional hours as necessary to accomplish objectives, goals, and projects. Management may modify the hybrid arrangement with advance notice whenever possible.

Requirements

High school diploma.
Minimum 1–3 years of experience in mortgage loan servicing, or a combination of education and experience.
Strong written and verbal communication skills to communicate effectively with members, internal employees, and external contacts.
Excellent time-management and organizational skills.
Intermediate knowledge of Microsoft Office Suite.
Qualify for NMLS registration according to the SAFE Act.
For hybrid work, maintain a quiet workplace, power and high-speed internet over 100 Mbps minimum, and video capability; a connection of 1.5 Mbps up and down is recommended. Technical requirements must be met before the first day of training.
Hybrid candidates must live within driving distance of the office and be able to commute regularly as needed.

Nice To Haves

Some college.
Experience with property taxes and escrow analysis.
Experience with credit reporting.

Responsibilities

Record and process payments and payoffs on the day received, prepare payoff demand statements within required regulatory timeframes, and process or correct mortgage transactions in the servicing system.
Maintain, manage, and track documents; prepare and monitor mortgage servicing reports; and generate and mail required correspondence.
Set up, change, or cancel ACH instructions in the mortgage servicing system and handle recast requests.
Research and resolve servicing disputes, discrepancies, and member service issues; maintain the dispute resolution log and send applicable documentation and letters.
Work with title companies, real estate attorneys, GTE’s Legal Department, and the Collections Department on servicing matters, delinquency issues, legal documents, and approved title changes.
Process property tax payments before their due dates; research tax disputes and inaccuracies; verify property tax data and parcel numbers; identify escrow shortages or unusual tax increases; distribute notifications; follow up on past-due taxes; and conduct annual escrow analysis and pre-audits of escrowed accounts.
Ensure mortgage loans have appropriate hazard, flood, windstorm, PMI, and other required insurance coverage; track and administer insurance payments before due dates; and manage insurance notices and vendor relationships.
Process mortgage insurance premiums, refunds, and cancellations; process flood re-determinations and disputed flood-zone changes; and ensure force-placed coverage is paid, enforced, removed, or refunded as required.
Assist with annual tax and insurance analysis, PMI disclosures, and insurance disbursement schedules in the mortgage servicing system.
Review and research credit disputes through E-Oscar and mail required notices within mandated timeframes.
Process death notices and address changes, update loan records, and re-mail returned mail as applicable.
Use reports to monitor data accuracy and complete file maintenance in the mortgage servicing system.
Validate compliance with credit union policies and procedures, federal regulations, and GSE servicing requirements.
Scan and upload documents into the imaging system.
Demonstrate fundamental knowledge of the Bank Secrecy Act and other specified federal laws, and qualify for NMLS registration according to the SAFE Act.