Credit Services Representative

2 months ago


Indiana, Pennsylvania, United States First Commonwealth Bank Full time
Job Summary

We are seeking a highly skilled Credit Services Representative to join our team at First Commonwealth Bank. As a key member of our loan servicing department, you will be responsible for ensuring the integrity of all collateral and loan files, processing daily paid loan files, and providing exceptional customer service.

Key Responsibilities
  • Process daily paid loan files for consumer and commercial loans, ensuring accuracy and timeliness.
  • Prepare payoff quotes and payoff letter requests, assessing prepayment penalty fees, early termination fees, and other fees associated with loan payoffs.
  • Coordinate internal documents for wire transfers and checks, process refunds and refund letters to clients, and release collateral as approved by loan modification requests.
  • Maintain and update logs of service events and email requests, process maintenance-related service events and email requests, and generate daily, weekly, and monthly reports to update customer records.
  • Collect dealership title releases, prepare paid loan files for scanning, and prepare Paid in Full Letters and refunds for clients.
  • Research dated or converted mortgages to determine if mortgage(s) should be satisfied, report MERS Mortgage payoff information to Supervisor, and perform maintenance to cancel Private Mortgage Insurance when applicable.
  • Communicate with clients, Financial Solutions Centers, Engagement Center, and third parties to ensure risk management of each client relationship is in compliance with policy and procedure.
Requirements
  • High School Diploma or equivalent required.
  • Minimum of two (2) years related work experience preferred.
  • Excellent verbal and written communication skills, exceptional relationship-building skills, strong analytical and mathematical skills, and a motivation to learn and contribute to continuous improvements are required.
  • Proficiency in MS Word and Excel is required.
  • Ability to work closely with team members to ensure daily work is completed.
  • Ability to access filing cabinets and transport bulky files.
Working at First Commonwealth Bank

We are an Equal Opportunity Employer and are committed to providing a work environment that is free from harassment and other forms of illegal discriminatory behavior. We comply with all regulatory requirements, including the Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), Equal Credit Opportunity Act, and others.



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