Payment Processing Specialist

First National Bank of America • Lansing, MI

12d • Onsite

About The Position

First National Bank of America is seeking a detail-oriented and dependable Payment Processing Specialist to join our Payment Processing team. This role is central to the accurate and timely posting of mortgage loan payments across a variety of payment channels. The ideal candidate is exceptional in their work and brings a servant's heart to every interaction. They will have a strong sense of ownership, comfort with payment processing systems, and a working knowledge of mortgage servicing regulations.

Requirements

• 2+ years of experience in payment processing, mortgage servicing, or a related banking operations role.
• Familiarity with mortgage payment posting workflows, including rolling payment logic and DPD-based status tracking.
• Experience with core banking or loan servicing platforms; familiarity with JackHenry or similar systems preferred.
• Working knowledge of common payment channels and third-party remittance providers used in mortgage servicing.
• Strong attention to detail, especially in high-volume, time-sensitive processing environments.
• Proficiency in Microsoft Office Suite, particularly Excel; comfortable working with data and reconciliation tasks.
• Effective written and verbal communication skills, with the ability to collaborate clearly across multiple internal departments.
• Highly organized with the ability to manage multiple tasks, meet deadlines, and adapt to system or procedural changes.

Nice To Haves

• Understanding of mortgage servicing regulations including RESPA/Regulation X and Regulation Z is a plus.
• Prior experience in Financial Services or banking operations is preferred.

Responsibilities

• Process and post mortgage loan payments received through all active payment channels, following established procedures and timelines.
• Apply payments in accordance with FNBA posting logic, including percentage-based posting rules and contractual payment requirements.
• Identify and appropriately route payments for accounts requiring special handling, escalating to the appropriate team or manager as required.
• Perform daily, weekly, and month-end payment processing tasks in accordance with department checklists, including balancing, exception resolution, and reporting; flexibility for occasional evening and weekend hours during month-end close is expected.
• Monitor for unposted, returned, or misapplied payments and take corrective action within established timelines.
• Maintain accurate records within core loan servicing and banking systems, updating payment status in a timely manner.
• Assist with vendor payment platform oversight and coordinate with internal teams during transitions or system updates.
• Communicate clearly with internal departments via phone and email regarding payment discrepancies, account flags, and other processing matters.
• Assist in cross-training staff and maintaining up-to-date procedure documentation for the department.

Benefits

• Medical – Multiple plans to choose from including HSA and traditional. Premiums as low as $0.00
• Dental – Premiums as low as $0.00
• Vision – Low premium Plan
• Discounted childcare
• Pet Insurance
• Paid Time Off (PTO)
• 401k with employer match

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed