Mortgage Cash Recon Researcher III

Mortgage Cash Recon Researcher III page is loaded## Mortgage Cash Recon Researcher III locations:
Cincinnati, OHtime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
January 16, 2026 (10 days left to apply) job requisition :
R64330
** Make banking a Fifth Third better
** GENERAL FUNCTION:
Under minimal supervision, complete complex cash research and adjustments, post payments and payoffs, and account reconciliation for mortgage, consumer, lease and flexcard products.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

* Process complex research and reconciliation adjustments for mortgage, consumer, auto and lease for missing and misapplied payments.
* Handle Office of the President and other 3rd party agency complaints.
* Responsible for balancing GL#s/DDA#s for all products lines including reconciliation and clearing all outages.
* Performs quality control assessments for offshore staff and makes appropriate procedure recommendations, updates and completes applicable training.
* Responsible for workflow assignments throughout the department.
* Responsible for side-by-side training of new and current employees.
* Processes a large volume of daily cash exceptions, including payments and payoffs from wholesale and retail lockbox, Billpayer, ACH, EMPP and SLK.
* Responsible for quality control associated with offshore processes
* Researches and adjusts accounts when processing errors occur or payments/payoffs are lost.
* Resolves both simple and complex adjustment requests for mortgage, consumer and lease operations.
* Returns unauthorized monetary items.
* Works directly with credit card and commercial loan on cash transactions and balancing.
* Compiles and/or balances data for reports, general ledger accounts, and entries for processing.
* Updates and maintains appropriate files, reports, and other documentation/data.
* Processes debit and/or credit tickets from other areas such as default and retail and ensures the posting to appropriate accounts as well as balancing the items.
* Serves as a liaison with various departments regarding status of reconciled or adjusted items.
* Notifies customers and/or correspondent banks of research results and actions taken.
* Recommends improvements to help minimize future problems.
* Has authorization to waive up to $50.00 on payments and $250.00 on payoffs.
* Performs other duties as assigned.

SUPERVISORY RESPONSIBILITIES:

None.

MINIMUM KNOWLEDGE &

SKILLS REQUIRED:

* Associate#s Degree or equivalent combination of training and experience in related field.
* Minimum 7 years mortgage banking or customer service experience
* Knowledge of the fundamental concepts related to mortgage, consumer, auto and lease and the ability to apply that knowledge in a quality control function.
* Knowledge of the Investor and Regulatory guidelines for mortgage, consumer, lease and card.
* Computer literate with advanced proficiency in Microsoft Outlook, Word, Excel and Access (or equivalent database reporting programs).
* Strong Customer Service skills
* Strong verbal and written communication skills.
* Strong analytical skills.
* Ability to work efficiently with a low margin of error.
* Ability to work independently and meet deadlines.

Mortgage Cash Recon Researcher IIIAt Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this…