Loan Servicing Specialist

Horizon Credit Union•Spokane Valley, WA

1d•$22 - $31

About The Position

The Loan Servicing Specialist will support and facilitate the completion of servicing mortgage loans, collecting and reviewing supporting loan documentation in accordance with loan guidelines, and provide support throughout the loan servicing department. Ensures all loan servicing activities adhere to regulatory requirements and internal policies. The Loan Servicing Specialist will also maintain confidentiality in handling sensitive information and display a high level of integrity while completing tasks and projects.

Requirements

High school diploma or GED certificate.
One year of real estate mortgage experience in quality control, processing and/or Real Estate closing position; or equivalent combination of education and experience.
Related work experience may substitute for education.
Working knowledge of MS Office applications.
Enthusiastic and proactive.
Strong attention to detail and ability to focus.
Strong oral and written communication abilities.
Solid technical and problem-solving skills.
Ability to read and comprehend simple instructions.
Able to use all related computer equipment and applications.
Working knowledge of mortgage lending compliance requirements, such as REG B to REG Z.
Ability to read and interpret documents such as credit bureau reports, debt-to-income ratio reports, policy, and procedure manuals.
Ability to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists.
Ability to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, Section 91 - The Fair Credit Reporting Act, and UCC.
To perform the essential functions of this position an employee must be able to meet the following work place demands: ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgment and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment.

Responsibilities

Handle the security, organization, and dissemination of confidential documents and information according to established protocols and procedures.
Responsible for maintaining an up-to-date and comprehensive knowledge of all related policies, procedures, products, rules and regulations affecting the Credit Union and Loan Servicing Department.
Coordinates with others to effectively prepare, organize, and present documents and information in accordance to established policy, regulation, and best practices.
Proficient in Microsoft Suite applications, XP system and Nautilus.
Professional who is highly organized, reliable, is attentive to detail, and works as a self-starter.
Actively displays diplomacy, tact, and professionalism in actions and appearance.
Meets deadlines for all tasks and work projects.
Serves as the sole point of contact for all branches and members on all questions and issues related to servicing external mortgage loans.
Manages Real Estate Helpdesk.
Process all HELOC payoff quote requests, process all payoff wires and checks, assess and collect prepayment fees when applicable, and process account closures along with ensuring correct document processing required.
Process and monitor the status of all mobile homes within the portfolio, including conducting escrow analyses for loans, ensuring prompt payment of taxes and insurance, and processing payments.
Process reconveyance lien releases and all subordination requests for all HELOC loans and external mortgage loans including the tracking and recording with the county.
Research and solve issues with lien releases on closed loans from merger files.
Work with members and branch staff in obtaining all external mortgage loan document requests.
Coordinates with members who have credit disputes caused by DMI and assists them in resolving the issue.
Work alongside with the Insurance Department to solve insurance issues and document submission on external mortgage loans.
Seeks workflow improvements and sources for automation so as to increase efficiencies.
Reconcile Corelogic spreadsheet each month on any past due taxes.

Benefits

Medical, Dental, & Vision Insurance for full-time and reduced full-time employees & their families
Telemedicine for part-time employees
Paid Group Life and Disability Insurance
Employee Assistance Program
Tuition Reimbursement Program
401K Retirement Savings
Employer 401K Retirement Contributions & Matching upon eligibility
Discretionary Annual Incentive Bonus based on eligibility criteria
Paid Time Off per Full Calendar Year:
10 hours of PTO per month (prorated for reduced full-time and part-time)
Paid Birthday Holiday
2 Paid Wellness Days
Up to 24 hours of Paid Volunteer Time annually
11 Paid Holidays
And More!