Mortgage Loan Servicer

Choice Bank•Bismarck, ND

10h•Onsite

About The Position

The Mortgage Loan Servicer is primarily responsible for processing of all in-house consumer real estate portfolio loans and residential mortgage servicing portfolio transactions for Choice Bank.

Requirements

2 to 4 years of relevant experience with requisite competencies
Strong understanding of mortgage servicing processes and systems.
Demonstrated ability to provide exceptional customer service, acting as a dedicated point of contact for inquiries and concerns.
Proficiency in communication (written and verbal) and problem-solving skills.
Ability to manage multiple priorities while maintaining accuracy and professionalism.
Proficient computer skills including Microsoft Office (Word, Excel, Access)
Must work in an efficient, systematic way
Must display consistency, thoroughness, attention to detail, and strong organizational skills
Use sounds judgment in prioritizing tasks to work under tight deadlines
Demonstrates strong customer service skills, including active listening, empathy, and clear communication.
Ability to manage multiple inquiries while maintaining professionalism and accuracy.

Nice To Haves

Leads as a team player with excellent interpersonal skills and develops partnerships
Takes initiative by proactively identifying what needs to be done and acts
Promotes and administers change and accepts diversity
Exhibits problem-solving, analytical thinking, and decision-making skills
Fosters open communication
Follows policies and procedures

Responsibilities

Process loan documents timely and accurately in accordance with Choice Financial, federal and state laws requirements.
Inputs loan information onto the core system to accurately reflect executed loan documents.
Processes updates to loans in the core system, including updates to addresses, payment options, payment schedules, statement delivery options, escrow addendums, etc.
Maintains the integrity and accuracy of loan information on the core system by reviewing daily reports and ensuring prompt resolution of transaction exceptions and errors or omissions in account setup.
Processes loan payments daily.
Completes assigned reconciliations and follows-up with appropriate individuals regarding discrepancies.
Manages Escrow: Reviews daily reports, completes reconciliations, and processes payments for escrowed real estate taxes, private mortgage insurance, and hazard insurance.
Oversees Insurance Tracking: Reviews tracking reports, provides weekly data uploads, follows up on weekly exceptions and works to resolve customer issues.
Processes the Mortgage Department’s paid notes and collateral releases.
Manages the tracking process of past due real estate taxes.
Compiles data for and completes the HMDA-LAR in established timelines.
Images Documents to Document Imaging System
Inputs mortgage loans on core system.
Processes FNMA and other secondary market purchase transactions.
Completes daily cash remittance and month-end reporting for secondary market loan portfolio.
Assists with follow up as it relates to servicing the in-house and secondary market mortgage portfolio.
Supports, advances, and is responsible for meeting Premier Experience service standards, including providing daily user support.
Acts as the dedicated point of contact for customer inquiries and concerns, ensuring timely, accurate, and empathetic responses.
Maintains ownership of issues from initial contact through resolution, proactively following up to guarantee customer satisfaction.
Collaborates with internal teams to resolve complex matters and communicates updates clearly to customers.
Assists with preparing mortgage files for internal and external review.
Collaborates with appropriate loan department staff on related questions/issues regarding loan documentation or Creates and/or updates department specific procedures when necessary.
Identifies opportunities to improve the customer experience and shares feedback with leadership to enhance service delivery.
Assist with completing special projects and assignments as required by department leadership
Actively participate in internal and external continuing education for mortgage loan operations and leadership
Contain knowledge of company products and services
Have a working knowledge of Choice Financials policies and procedures and comply with them
Maintain complete confidentiality with regards to customer accounts, loans and bank relationships
Project a positive image of Choice Financial when representing the organization
Actively support management and organizational goals
Interact with other employees to promote teamwork, communications, trust and respect
Adapt to meet the ever-changing customer and community needs
Performs duties outside normal scope as assigned