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Horizon Credit Union · 1 day ago

Loan Servicing Specialist

Spokane Valley,WA,US

Full-time

Onsite

Entry Level

$22.07/hr - $30.89/hr

1+ years exp

Horizon Credit Union is seeking a Loan Servicing Specialist to support and facilitate the completion of servicing mortgage loans. The role involves collecting and reviewing loan documentation, ensuring compliance with regulations, and providing excellent member service throughout the loan servicing department.

BankingFinancial ServicesLending

Responsibilities

Handle the security, organization, and dissemination of confidential documents and information according to established protocols and procedures

Responsible for maintaining an up-to-date and comprehensive knowledge of all related policies, procedures, products, rules and regulations affecting the Credit Union and Loan Servicing Department

Coordinates with others to effectively prepare, organize, and present documents and information in accordance to established policy, regulation, and best practices

Proficient in Microsoft Suite applications, XP system and Nautilus

Professional who is highly organized, reliable, is attentive to detail, and works as a self-starter

Actively displays diplomacy, tact, and professionalism in actions and appearance

Meets deadlines for all tasks and work projects

Serves as the sole point of contact for all branches and members on all questions and issues related to servicing external mortgage loans

Manages Real Estate Helpdesk

Process all HELOC payoff quote requests, process all payoff wires and checks, assess and collect prepayment fees when applicable, and process account closures along with ensuring correct document processing required

Process and monitor the status of all mobile homes within the portfolio, including conducting escrow analyses for loans, ensuring prompt payment of taxes and insurance, and processing payments

Process reconveyance lien releases and all subordination requests for all HELOC loans and external mortgage loans including the tracking and recording with the county

Research and solve issues with lien releases on closed loans from merger files

Work with members and branch staff in obtaining all external mortgage loan document requests

Coordinates with members who have credit disputes caused by DMI and assists them in resolving the issue

Work alongside with the Insurance Department to solve insurance issues and document submission on external mortgage loans

Seeks workflow improvements and sources for automation so as to increase efficiencies

Reconcile Corelogic spreadsheet each month on any past due taxes

Qualification

Mortgage lending complianceReal estate mortgage experienceMS Office applicationsTechnical problem-solvingAttention to detailEnthusiasticProactiveRead documentsCommunication skills

Required

High school diploma or GED certificate

One year of real estate mortgage experience in quality control, processing and/or Real Estate closing position; or equivalent combination of education and experience

Working knowledge of MS Office applications

Enthusiastic and proactive

Strong attention to detail and ability to focus

Strong oral and written communication abilities

Solid technical and problem-solving skills

Ability to read and comprehend simple instructions

Able to use all related computer equipment and applications

Working knowledge of mortgage lending compliance requirements, such as REG B to REG Z

Ability to read and interpret documents such as credit bureau reports, debt-to-income ratio reports, policy, and procedure manuals

Ability to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists

Ability to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, Section 91 - The Fair Credit Reporting Act, and UCC

Ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time

Occasionally lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and maintain balance doing these activities

Sound reasoning, good judgment and ability to apply knowledge toward work activities