Mortgage Servicing

Mortgage Servicing - Back end servicing experience a must - Hybrid Looking for an Opportunity to join GTE Financial (Credit Union) in a Mortgage Loan Servicer role? GTE Financial is looking for a highly motivated, organized, and detailed oriented individual to join our Loan Servicing department as a Loan Servicer. The Loan Servicer is responsible for the overall servicing of member home loans. Responsibilities include accurate and timely payment processing of rejected payments, tax and insurance processing, credit reporting, Investor Reporting, and dispute resolution. In addition, this position is responsible for providing exceptional member service and maintaining compliance with required notifications and documentation. This is an intermediate role handling routine and complex functions within the Loan Servicing area. What does GTE look for in a Loan Servicer? Payment Processing Record and process payments and payoffs on the day of receipt. Prepare Satisfactions and record. Prepare payoff demand statements within the required timeframe as defined by federal regulations. Maintain, manage, and track all loan documents. Prepare and monitor reports. Generate and mail out correspondences as required by Federal Regulations. Review, process, and input information into the mortgage servicing system for ACH set-up, changes, or cancellations. Handle all recast requests. Research and resolve any disputes or discrepancies. Work with Title Companies/Real Estate Attorneys. Assist the Collections Department regarding any delinquency issues. Process and correct mortgage transactions in the servicing system. Tax Processing Process all property tax payments before the first due date to the correct county/municipalities to avoid incurring any penalties. Research and resolve property tax disputes/inaccuracies. Verify all data/parcel numbers are correct with third-party vendors. Run reports and identify any escrow shortages or reasons for extreme increases in property taxes. Distribute required letters/notifications to members. Monitor and follow up with members on past property taxes. Conduct annual escrow analysis and pre-audit of all escrowed accounts. Insurance Processing Responsible for ensuring all mortgage loans have proper insurance coverage (Hazard, Flood, Windstorm, PMI, etc.) Track, disburse and administer hazard, flood, and mortgage insurance payments before due dates to avoid late policy cancellations or late charges. Monitor all required notifications being sent to borrowers within the required timeframe as mandated by Federal Regulations. Manage vendor relationships and research and resolve all insurance issues. Pay and process all monthly mortgage insurance premiums, refunds, and cancellations. Process flood re-determinations. Communicate with members, update servicing systems, and research disputed flood zone changes. Ensure force-placed coverage is paid, enforced, removed, or refunded when required. Assist with preparation, distribution, and member inquiries of annual tax & insurance analysis and PMI insurance disclosures. Assist the Insurance Services department with establishing disbursement schedules in the mortgage servicing system for insurance payees and for the timely payment of escrow items. Credit Reporting & General Servicing Provide courteous, knowledgeable, and professional member service to members and employees. Research and resolve written disputes received and member service issues about their mortgage loans. Assisting with third-party vendors (Corelogic, Allied, MetaSource). Review and research credit disputes via E-Oscar. Mail required notices within the timeframes as required by federal mandates. Maintain the Dispute Resolution log and send applicable documentation and letters. Work with Title Companies/Attorney and GTE’s Legal Department to prepare legal documents and process approved title change requests. Timely processing of all death notices received and notating loans. Timely processing of all change of address notices and re-mailing any returned mail. Work with a wide variety of reports to monitor and ensure the accuracy of data input into the mortgage servicing system. Complete file maintenance as needed in the system. Validate compliance with credit union policies and procedures, federal regulations, and GSE servicing requirements. General Requirements: Strong written and verbal skills to be able to effectively communicate with members, internal employees, and external contacts. Excellent time management and organizational skills. Intermediate knowledge of Microsoft Office Suite. Detail oriented. Scan/upload documents into the imaging system. Must demonstrate functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to the U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, and Right to Financial Privacy Act, and the Bank Bribery Act. Qualify for NMLS registration according to the Safe Act. Required Qualifications: High school diploma. Some college preferred. Minimum 5+ years experience in mortgage loan servicing or a combination of education and experience. Experience with Investor Reporting, property taxes/escrow analysis, and credit reporting strongly preferred. Position Details: Location: Downtown Tampa – GTE Headquarters Department Hours: Monday– Friday (8:00 am to 6:00 pm) Remote Full-time hours are required, with additional hours as necessary to accomplish objectives, goals, and projects. Required for Remote Work: A quiet workplace so you can focus on delivering excellent service to our members. Must live in a location that can leverage an existing high-speed internet service. Minimum upload speed 10 MB/s, preferred upload speed 25 MB/s. Minimum download speed 50 MB/s, preferred 100 MB/s. Candidates must provide and meet all technical requirements before the first day of training. Candidates must live within driving distance of the office location and be able to regularly commute to and from the office location as needed. GTE was named one of Tampa’s Top Workplaces Come and join our award-winning team. GTE Financial is an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or genetic information. About Us Tampa Bay's Top Places to Work GTE is honored to win BOTH the Tampa Bay Business Journal Best Places to Work and the Top Workplaces in Tampa Bay by the Tampa Bay Times Most recently, GTE has become certified as a Most Loved Workplace, by Newsweek and Best Practice Institute (BPI). Remarkable Total Rewards package – Insurance options, Wellness programs, Retirement, Time off plans, Plus much more Career Development – Education Assistance, Leadership Development, Professional Designations, and Learning Endeavors Supporting an outstanding life/work balance Year-Round Charity Commitment - Supporting our local communities Rewarding work delivering exceptional financial services to our members. #J-18808-Ljbffr