Mortgage Escrow Analyst

Citadel Credit Union•Uwchlan Township, PA

About The Position

The Mortgage Escrow Generalist is responsible for supporting core escrow operations, including escrow analysis, tax, Home Owners, and PMI payment processing, vendor coordination, and delinquent tax monitoring. Working closely with the Senior Mortgage Escrow Administrator, this role ensures that escrow accounts are managed accurately, efficiently, and in compliance with regulatory and investor guidelines. A strong attention to detail, excellent communication skills, and the ability to collaborate with external partners and internal stakeholders are essential.

Requirements

High school diploma or equivalent.
High attention to detail and accuracy.
Strong communication and member‑service skills.
Ability to multitask and adapt in a fast‑paced environment.
Basic understanding of loan servicing or financial services operations.

Nice To Haves

Experience in loan servicing, insurance products (CPI/GAP), payoffs, or dealership processing.
Familiarity with FICS or comparable Servicing systems.
Understanding of Escrow Administration.
Member‑focused communication
Organizational skills and time management
Adaptability and willingness to assist wherever needed
Teamwork and collaboration
Accountability and consistent follow‑through

Responsibilities

Assist the Senior Mortgage Escrow Administrator with Escrow Analysis
Pay Home Owner’s Policies and PMI payments from Escrow Accounts
Support the preparation and completion of annual escrow analyses for all applicable loans.
Review escrow account activity for accuracy, identifying shortages, surpluses, and required adjustments.
Assist in generating borrower escrow statements and ensuring timely distribution.
Research variances or unusual account behavior and escalate findings as needed.
Collaborate with Third‑Party Vendor (Lereta) for Property Tax Payments and Issue Resolution
Coordinate with Lereta to ensure timely and accurate payment of property taxes for escrowed loans.
Monitor payment files, exception reports, and tax bill updates provided by the vendor.
Investigate and resolve tax-related issues, including missing bills, payment discrepancies, or jurisdictional questions.
Serve as a liaison between Lereta, borrowers, and internal departments to ensure smooth tax servicing operations.
Perform Initial Escrow Analysis on New Loans
Conduct initial escrow projections for newly originated or newly boarded loans.
Verify property tax and homeowner’s insurance amounts to confirm correct escrow setup.
Calculate required monthly escrow contributions and initial escrow deposits in accordance with RESPA and organizational standards.
Ensure accurate mapping of escrow accounts into servicing systems.
Assist with Tracking and Managing Delinquent Property Taxes
Support the Senior Mortgage Escrow Administrator in reviewing delinquency reports from tax authorities and vendors.
Research delinquent tax notifications and take appropriate action to protect the lender’s interest.
Maintain detailed tracking logs of delinquent parcels, payments, and resolutions.
Assist in communicating delinquent tax status updates to internal teams and borrowers when necessary.