Mortgage Customer Service Representative- Tax/Escrow/PMI

Iowa Bankers • Johnston, IA

23d

About The Position

The Mortgage Customer Service Representative assists in the Tax/Escrow area by performing the following duties:

Tax:
* Research, review and prepare property tax payment files.
* Pay individual property tax parcels.
* Responds to emails sent to the inbox.
* Provides superior customer service, both written and verbal, to homeowners, bankers, and other vendors.
* Additional property tax related research & remediation.

Escrow:
* Individual Escrow Analysis – Perform individual analysis as needed
* Identify root cause of excess Escrow Shortages, Surplus and Significant Payment Changes
* Mass Escrow Analysis – Perform required mass analysis annually according to state matrix.
* New Loan – Perform new loan analysis as needed.
* New Construction / Mid-Year Analysis - Assist with NewCon mid-year review and analyze loans as needed.
* Waiving Escrow – To remove Property Taxes, Homeowners insurance and / or both to close escrow.
* Approve Escrow Analysis Statements and Refund Checks.
* Web Reports – Review reports showing additional website payments made to escrow for review / research and analyze as needed.
* Lock Box Report - Review reports showing additional payments made to escrow for review / research and analyze as needed.
* Escrow Overdraft Report – Research, reanalyze and send letter as needed.

Assist with:
* Insurance loss draft claims.
* Review and update Flood information including but not limited to exchange of information with flood vendors.
* Insurance Disbursements (HUB, MBA, MSP, ACH)
* Insurance Refunds
* RD Monthly Payment
* FHA Monthly Payment
* Reviews escrow & non-escrow hazard records and obtain updated documents as needed.
* Reviews and update hazard information utilizing OnBase work queues. Reviews daily reports from MSP related to hazard updates.

Requirements

• High school diploma or general education degree (GED)
• Two to five years of related experience and/or training; or equivalent combination of education and experience.
• Accurately and efficiently process transactions.
• Proficient in Word & Excel.
• Follow established policies, procedures & guidelines.
• Demonstrate analytical decision making and problem-solving skills.

Nice To Haves

• Preferred Black Knight System experience.

Responsibilities

• Research, review and prepare property tax payment files.
• Pay individual property tax parcels.
• Respond to emails sent to the inbox.
• Provide superior customer service, both written and verbal, to homeowners, bankers, and other vendors.
• Perform additional property tax related research & remediation.
• Perform individual escrow analysis as needed.
• Identify root cause of excess Escrow Shortages, Surplus and Significant Payment Changes.
• Perform required mass escrow analysis annually according to state matrix.
• Perform new loan escrow analysis as needed.
• Assist with NewCon mid-year review and analyze loans as needed.
• Remove Property Taxes, Homeowners insurance and / or both to close escrow (Waiving Escrow).
• Approve Escrow Analysis Statements and Refund Checks.
• Review reports showing additional website payments made to escrow for review / research and analyze as needed.
• Review reports showing additional payments made to escrow for review / research and analyze as needed.
• Research, reanalyze and send letter as needed for Escrow Overdraft Report.
• Assist with insurance loss draft claims.
• Review and update Flood information including but not limited to exchange of information with flood vendors.
• Process Insurance Disbursements (HUB, MBA, MSP, ACH).
• Process Insurance Refunds.
• Process RD Monthly Payment.
• Process FHA Monthly Payment.
• Review escrow & non-escrow hazard records and obtain updated documents as needed.
• Review and update hazard information utilizing OnBase work queues.
• Review daily reports from MSP related to hazard updates.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED