Mortgage Loan Servicer

GTE Financial•Tampa, FL

5d•Hybrid

About The Position

GTE Financial is seeking a detail-oriented, organized Loan Servicer I to service member home loans. This entry-level position handles routine loan servicing functions, including timely and accurate payment, tax, and insurance processing; credit reporting; dispute resolution; and member service. The role also maintains compliance with required notifications, documentation, credit union policies and procedures, federal regulations, and GSE servicing requirements. 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, be able to commute as needed, and provide a quiet work environment with power and high-speed internet over 100MB and video capability. Candidates must meet the technical requirements before their first day of training. 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 meet objectives, goals, and project needs.

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.
For hybrid work, live within driving distance of the office and be able to commute regularly as needed.
For hybrid work, provide a quiet workplace, power, high-speed internet over 100MB, and video capability; meet technical requirements before the first day of training.

Nice To Haves

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

Responsibilities

Record and process loan payments and payoffs on the day received; prepare payoff demand statements within federally required timeframes.
Maintain and track documents, prepare and monitor mortgage servicing reports, and generate and mail required correspondence.
Process ACH setup, changes, and cancellations; handle recast requests; correct mortgage transactions; and research and resolve servicing disputes or discrepancies.
Work with title companies and real estate attorneys, maintain positive relationships, and assist the Collections Department with delinquency issues.
Process property tax payments before their due dates; research tax disputes and inaccuracies; verify parcel data; identify escrow shortages or unusual tax increases; and send required member notices.
Monitor past-due property taxes, conduct annual escrow analyses and pre-audits of escrowed accounts, and follow up with members as needed.
Ensure mortgage loans have appropriate hazard, flood, windstorm, PMI, and other required insurance coverage.
Track, administer, and disburse insurance payments before due dates; manage insurance issues and vendor relationships; and process mortgage insurance premiums, refunds, and cancellations.
Process flood re-determinations, research disputed flood-zone changes, update servicing systems, and ensure force-placed coverage is paid, enforced, removed, or refunded when required.
Assist with annual tax and insurance analyses, PMI disclosures, and insurance disbursement schedules in the mortgage servicing system.
Provide courteous, knowledgeable, and professional service to members and employees; research written disputes and member service issues related to mortgage loans.
Research credit disputes through E-Oscar, mail required notices within mandated timeframes, and maintain the dispute resolution log and related documentation.
Work with title companies, attorneys, and GTE’s Legal Department to prepare legal documents and process approved title-change requests.
Process death and change-of-address notices promptly, note loans, and re-mail returned mail.
Use reports to monitor the accuracy of mortgage servicing system data and complete system file maintenance as needed.
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 applicable federal laws, including the U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and Bank Bribery Act.
Qualify for NMLS registration according to the SAFE Act.