Mortgage Servicing Specialist

United Community Bank • Greenville, SC

2d • $38,769 - $57,876 • Onsite

About The Position

United Community is seeking a detail-oriented and highly motivated Mortgage Servicing Specialist to support the Bank’s mortgage third-party sub-servicing relationships. This role partners closely with the Mortgage Servicing Administrator to ensure servicing operations, compliance, and reporting requirements are executed accurately and efficiently. The Mortgage Servicing Specialist plays a key role in monitoring sub-servicer performance, supporting audits and regulatory compliance, and identifying opportunities to improve servicing processes and mitigate risk.

Requirements

• Bachelor’s degree or equivalent work experience
• Minimum of 2 years of loan servicing experience or equivalent mortgage industry experience
• Knowledge of government mortgage products and documentation
• Working knowledge of agency investor, regulatory, and servicing requirements
• Experience with loan servicing guidelines, procedures, restrictions, and reporting requirements
• Experience with loan accounting systems and general accounting principles
• Knowledge of tax and insurance escrow operations
• Familiarity with servicing software and electronic reporting processes; MERS experience preferred but not required
• Strong organizational skills with the ability to prioritize, manage multiple projects, and meet deadlines
• Excellent interpersonal, communication, time management, and customer service skills
• Ability to exercise independent judgment and work effectively in a fast-paced environment
• Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook
• Ability to complete all required compliance training, including Bank Secrecy Act / Anti-Money Laundering training
• Must be able to pass a background and credit check
• This is a full-time, non-remote position requiring schedule flexibility, including evenings and weekends as needed

Nice To Haves

• Knowledge of GNMA servicing requirements preferred
• Familiarity with servicing software and electronic reporting processes; MERS experience preferred but not required

Responsibilities

• Assist the Mortgage Servicing Administrator with managing third-party relationships and daily operations with mortgage sub-servicer(s)
• Maintain, create, and review daily, monthly, and quarterly servicing reports
• Filter and route correspondence and requests from sub-servicer(s) to the appropriate internal departments
• Approve or recommend PMI cancellation requests, collateral releases, service charge waivers, and other servicing exceptions
• Support day-to-day servicing functions by identifying operational risks and vulnerabilities at the loan-level and portfolio-level
• Develop and implement corrective action plans for servicing issues and provide guidance to prevent future occurrences
• Evaluate sub-servicer processes and recommend improvements to reduce business risk and enhance servicing performance
• Develop and utilize exception reporting to identify problem areas and improve departmental performance
• Maintain working knowledge of current servicing compliance regulations, including CFPB, foreclosure, loss mitigation, claims procedures, and HUD requirements
• Participate in scheduled sub-servicer site visits
• Review servicing operational and quality assurance processes and recommend technology enhancements to streamline workflow
• Assist team members through internal and external training resources
• Provide data and documentation for state, federal, and third-party audits related to servicing activities
• Provide feedback and trend analysis from quality control results and counterparty scorecards

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level