Consumer Loan Servicing Specialist

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

The position of Consumer Loan Servicing Specialist is responsible for performing routine clerical duties related to all loan products, with a primary focus on consumer loan (non-real estate and real estate secured) products; performs annual escrow analysis, pays out escrow distributions, tracks/maintains insurance for each secured loan file; processes consumer, commercial and real estate loan payments; processes advances on lines of credit;

works daily insurance and other various monthly reports; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

• Tracks and maintains insurance (homeowner’s and flood) on all secured loan products. Corresponds with insurance companies and/or customers when insurance has lapsed.
• Performs annual escrow analysis, pays monthly escrow distributions for homeowner’s insurance, flood insurance, property taxes, and PMI.
• Performs final review of booked/funded consumer loans (non-real estate and real estate).
• Handles payoff requests and processes payoffs received through mail or wire.
• Conducts account research to update customer’s complete banking relationship.
• Processes consumer, commercial and real estate loan payments and advances.
• Prepares daily notices and statements for mailing.
• Reviews and processes change of address forms and return mail.
• Maintains scanning, imaging, and filing from the centralized department scan tray as well as scanning and imaging any pertinent information to customer accounts (insurance, escrow distributions, letters, payoff requests, payoffs, late fee waivers, file maintenance, etc.).
• Answers the telephone; responds to routine loan officer or customer inquiries related to account balances, loan balances and payoff requests.
• Processes paid consumer loans and terminates collateral when applicable.
• Corrects loan accounting system errors as necessary.
• May process various loan reports and callbacks.
• Provides effective customer service and assists in resolving problems within given authority.
• May be required to perform official notary services.
• Types routine letters, reports, and forms.
• Maintains files, copies, and faxes documents. Orders and distributes supplies.
• Treats people with respect; keeps commitments;
  Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations.
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• High school diploma or certificate from college or technical school; or related experience and/or training; or the equivalent…