Mortgage Credit Operations Specialist

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The Mortgage Credit Operations Specialist supports the residential lending function by preparing documents, onboarding, servicing, and imaging residential real estate loan documents. They will perform tasks related to residential real estate loans and are responsible for various reporting functions and administrative tasks to support the Credit Operations Department.

• Accurate and timely preparation of residential real estate loan documents along with review functions to ensure compliance with regulatory requirements and bank policies.
• Onboarding and servicing functions related to residential real estate loans on the bank’s core system. This includes maintenance functions, processing payments, reviewing various notices and reports, and checking back the prior day’s work.
• Responsible for storing documents and configuring residential real estate loans in the document imaging system.
• Work with various investors and servicers on loan delivery. Reviews mortgage filings, title work and searches to ensure collateral is perfected and lien position is maintained.
• Research investor/insurer guidelines to ensure compliance with requirements. Work with customers with escalated issues, counsel delinquent borrowers on repayment options, work with foreclosures of property. Prepare and distribute payoff quotes and order documents from investors.
• Perform tracking functions to ensure current insurance coverage and real estate taxes are paid current. Will also review private mortgage insurance coverage, MERS, and forced placed insurance.
• Assist with creation and maintenance of procedural documents related to job functions.
• Perform administrative functions as needed and other duties as assigned.

The Mortgage Credit Operations Specialist will need to be self‑motivated, detail‑oriented and have excellent organizational, communication, and customer service skills. Must view oneself as part of an overall team which includes supporting others within the department. Must work well with deadlines, be able to multitask, and work independently. Must have a high regard for details, be able to detect errors and follow through on corrections.

Must be willing and able to adapt to change, have a general understanding of the lending function, and possess general knowledge of computer software applications including the bank’s loan platforms. Banking experience or knowledge is preferred.

• Health Insurance – Dacotah Bank pays 100% of the premium, family and individual coverage
• Dental Insurance – Dacotah Bank pays 100% of the premium, family and individual coverage
• Health Savings Account
• Life Insurance for the employee and family
• Paid Vacation and Sick Time
• Retirement Plan Options
• Additional Perks and Benefits

• Entry level

• Full-time

• Finance and Sales

• Banking

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