Loan Servicing Clerk

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Full Time Clerical Lexington, KY, US

30+ days ago Requisition

The position of Loan Servicing Clerk is responsible for assisting the Loan Servicing Department in performing various duties and special projects related to servicing the bank's loan portfolio; processing consumer, commercial, and real estate loan payments and payoffs; updating collateral tracking; reviewing and maintaining insurance reports for tracking and escrow; reviewing daily and monthly rate change and correction reports; and assisting with HMDA reviews and reporting.

The position of Loan Servicing Clerk is required to be fully knowledgeable and skilled in all areas of servicing loans. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

• Assists with reviewing and completing requests submitted to the department for loan maintenance and assists in HMDA reviews.
• Reviews the insurance escrow disbursement journal report to ensure insurance renewal policies are sent to the Escrow department for payment.
• Performs duties and assists others in resolving loan payment posting problems, reviewing rate changes, completing loan account research, processing consumer, commercial, and real estate loan payments and payoffs.
• Works with insurance policies and related reports; contacts agents; works closely with loan officers and customers to ensure proper insurance is received and maintained.
• Processes mail to ensure proper receipt of Title Lien Statements, Mortgages, and Title Policy filings and other documentation.
• Answers the telephone; responds to routine loan officer or loan assistant inquiries relative to loan balances and payoff requests.
• Provides effective customer service and assists in resolving problems within given authority.
• Operates computer terminal or personal computer to process loan activity, determine balances, and resolve problems within given authority.
• Types routine letters, reports and forms.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Conducts oneself professionally and as a bank representative while at work and in public.
• Demonstrates knowledge of and adherence to 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.
• Follows policies and procedures; 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 of 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.

The position of Loan Servicing Clerk performs duties specific to the position and other functions as assigned.

The position of Loan Utility Specialist I is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced loan department personnel. The incumbent in this position may perform duties in the absence of the Loan Quality Control Officer or Loan Department Supervisor.

The incumbent is in a non-confined office-type setting in which he or she is free to move about  position includes driving a Bank or personal owned vehicle approximately one percent of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc.

The incumbent in…