Loan Servicing - Durham, United States - Latino Credit Union

Latino Credit Union Durham, United States

1 week ago

Description

Job Type

Full-time

Description

Service Real Estate loan accounts (First ML and HELOCs) in matters related to Insurance, Taxes, Flood, and all escrow-related tasks. The Loan Servicing & Escrow Specialist is responsible for monitoring and maintaining hazard insurance, policy changes, tax payments, and flood coverage including any force-placed insurance requirements. Service all real estate collateral documents and processes including, execution of partial deed releases, subordination document analysis, preparation and recording of successor in interest communications and validation, life of loan mortgage record document preparation and processing, and branch/operational real estate loan collateral support. Frequent contact with members, credit union employees, insurance companies, and tax offices.

Duties:

Leading all operations of Escrow and RE Loan Servicing in a self-sufficient manner and escalating exceptional issues to the RE Escrow and Loan Servicing Manager.
Responsible for ensuring the security, maintenance, and compliance of all areas pertaining to Escrow and RE Loan Servicing.
Assist management with training new employees and existing department employees.
Assist manager with projects and specialized department responsibilities.
Actively participate in implementing projects aimed at procedural enhancement and improvement.
Comprehensive knowledge of Escrow accounts, Escrow analysis, Taxes, Insurance (Hazard and Flood), and Loss Drafts.
Process county, city, and town real estate tax payments, and payment changes.
Employees will be expected to cross-train in other areas of the entire department.
Identify ways to make the department run more efficiently.
Perform all Escrow Cancellations/Flood and Loan Servicing duties, such as processing homeowner's, wind/hail, and flood insurance policy cancellations and new business policy changes in a timely manner as well as any Force Placed insurance or Blanket policy changes as required.
Assist the RE Loan Servicing and Escrow Specialist/Manager in resolving problems and handling insurance exceptions.
Work payment unposted reports and other reports as needed as well as reversals and service requests as related to First MLs and HELOCs.
Perform all duties of Servicing such as, posting payment rejects, quoting, and processing ML and HELOC payoffs, and consolidation of Loan Servicing Transactions.
Assist Accounting or other departments to rectify any outstanding outages pertaining to Escrow or Servicing.
Process DOT Satisfactions, collateral jacket, collateral vault compliance, and successor in interest processing.
Process electronic storage/imaging of real estate collateral documentation.
Assist in the completion of monthly audits and work monthly/quarterly reports as needed.
Process requests and assist credit union employees and members with Escrow and Servicing questions.
Meet crucial deadlines for daily activities and department reports.
Review insurance, taxes, and other documents to verify and address escrow-related issues.
Enhance knowledge of Loan Servicing, Loss Mitigation, and Loan Origination departments.
Maintain a basic knowledge of the Federal Regulations associated with Escrow and Servicing.
Monitor department's email and distribute incoming loan documents to members loans.
Must communicate with branch personnel and closing agents to ensure compliance with Credit Union Escrow requirements.
Coordinate with management to analyze workflow, develop departmental tasks, and update departmental procedures.
Willing to assist in all areas of operations as needed.
Other duties as assigned by management.

Requirements

Minimum of three (3) years of Credit Union or equivalent experience. Bachelor's degree is required or equivalent combined education and experience.
Must obtain and maintain notary and/or eNotary certification.
Obtain and maintain licenses/certifications as needed based on Credit Union services.
Maintain broad knowledge of real estate lending products, policies, and guidelines.
Meets compliance and regulatory standards in terms of loan servicing.
Must be professional and courteous in all interactions with members, insurance and tax agents, and co-workers.
Must be self-motivated and perform duties at an elevated level and demonstrate the ability to go beyond basic department responsibilities.
Must adhere to the work schedule and attendance policy established by the manager.
Must possess and demonstrate attention to detail, work accuracy, mathematical skills, and the ability to manage deadline pressures.
Must have a basic understanding of Escrow and Loan Servicing procedures.
Must be proficient in Excel, Word, and computer databases.
Must be able to speak and write English fluently. Spanish is a plus.
Must meet all LCCU (Latino Community Credit Union) mandated education requirements.
Must possess an independent and strong work ethic.

Physical requirements: Must be able to sit for extended periods of time, use the computer and telephone to complete work, and lift up to 30 pounds at times.

The above statements are intended to describe the general nature of work being performed by individuals assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties, knowledge, skills, and abilities required of individuals so classified.

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