Payment Group Associate

Centier Bank•Merrillville, IN

2h•Hybrid

About The Position

The associates in this position will perform the following tasks: Have personal contact with a high volume of internal and external associates and clients each day. Ensuring the large amount of phone calls and emails get resolved within the bank guidelines to guarantee we deliver the World Class Customer Service our customers deserve. Then take any appropriate action to correct the loan to confirm any future transactions (payments &/or advances) are posted accurately. Follow the established procedures for verification of the accuracy of the Daily Work input by all of the members of the department the previous business day. This needs to be done by 11am each day. Compare the incoming postal payments against the loan information in NuPoint to verify the tickets put through proof are accurate and follows the customer’s intent. Manually process all payoffs checks according to the established procedures and schedule. Compare the daily electronic Vanco exception report has all of the customers loan information listed accurately to make certain the payments are applied to the appropriate loan. Use the appropriate established procedures to process CL, IL, ML & RC NSF's. Also process the NSF's for all loans on the automatic transfer system. Coupon book ordering to ensure the customer receives their book in a timely manner. Compare the established procedure against the pertinent NuPoint screens to verify the RVC New/Renewed/Mod Loans were booked correctly. Closely monitor ILs awaiting perfected vehicle titles & verify all information on the title matches the fields on the documents and that Centier’s lien is on the vehicle titles. Distribution of all postal & inter-office mail – and research the destination of mail delivered in error or not addressed to a department. Process the Verifications of Mortgage Credit Requests for our customers who are refinancing. The Associate will be expected to perform repetitive duties that have clear, standard procedures. Rotating Schedule This position will have three associates rotating the duties listed below on a monthly schedule, switching on the 1st of each month. The concept is to complete the daily duties in their assigned rotation once completed, assist in completing the remaining daily duties. Once all daily duties are completed, see Team Lead. AS A TEAM ALL ASSOCIATES ARE ACCOUNTABLE TO MONITOR AND RESPOND TO INCOMING PHONE CALLS, E-MAILS & MISC INPUT POSTING.

Requirements

Excellent communication skills; team focused
Attention to detail and follow through a must
Loan knowledge or Loan Servicing experience preferred
Proficient at NuPoint, IS Check/Network, Microsoft Office, Center View, Synergy, Outlook and Treev
Ability to use office equipment: copier, fax, calculator, etc.
High School Diploma and 1 year of office experience.

Nice To Haves

Loan Servicing experience is a Plus.

Responsibilities

Process mail payoffs according to the chart
Process incoming postal payments throughout the day
Process Vanco report for needed changes
Make corrections on loan transactions
Clear up NSF's
Coupon book ordering
Monitor ILs awaiting Perfected Collateral & Perfect vehicle titles & Triad reporting
Scanning of Perfected Titles, QCing & pulling files from pending
RVC New/Renewed/Mod Loan Check Ins
Update the Training Tracking Spreadsheet to reflect the training taken by Loan Ops staff during prior month
Distributing all mail – postal & inter-office
Verification of Daily Work input the previous day to be done at 11am
VOM Credit Requests completion
Email Do Not Mail report to AA’s & collection 1st thing in the morning
Create HELOC 087 Report
Close RVCs & Close RVC Credit Cards
Freeze RVCs
Waiving Annual Fees
Make corrections to Home Equity Lines with posting errors
Order RVC checks
Assist with requests to reorder RVC Credit Cards
Reversing a Disputed RC Credit Card Charge
Process Compromised HELOCs
Look at HELOC Recon report for small balances and aggregate interest offages.
Clear billed amounts under $3.00 on RVCs & send letters so stmts do not produce
Review the RVC Upcoming and Expired Doc Review Dates report from Synergy and send letters to clients when line is maturing or draw period is expiring
Close RVCs after the Draw Period expires
Calculate and type letters for IL, ML & RVC Payoff Requests
Checking in New ILs – when needed
Transfer set up for CL, IL, ML, RVC and report
Late Charge waivers
Processing Postal Payments
Late Rate waivers
Filing in lockdown
Distribution of interoffice mail
Scanning of Perfected Mortgages, QCing & pulling files from pending
Processing of Exceptions – any random loose loan documentation – verify was scanned and place with that loans keep documents or place in destruction pile
Clear Unpostables
Unapplied Funds
Calculating interest due on M/L Construction Loans
Stop and/or reversing late rate on CLs
Post Wire Payments
Printing GL tickets
Filing in vault
All other tasks as delegated by Management