What are the responsibilities and job description for the Mortgage Servicing Specialist position at OnPath Federal Credit Union?
At OnPath Credit Union, we share a passion for delivering exceptional service.
Your primary role will involve building relationships with our members, offering personalized solutions and identifying opportunities to help them achieve financial success.
If you thrive in an environment with team members who truly enjoy what they do and you are sales driven and motivated to succeed, then OnPath is the place for you!
Voted eleven years in a row as one of the Top 40 Places to Work by the Times Picayune, we offer:
- Competitive Compensation
- Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan
- Paid Vacation, Wellness, Sick Time, and more!
Interested? Become part of the OnPath team that believes exceptional service defines the core of who we are.
We are looking for a Mortgage Servicing Specialist to join our team! The salary range for this position is $20.14 to $25.17 per hour based on skills and experience. This position is classified as On-site.
SCOPE:
As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that in partnership with the surrounding departments, provides cost effective financial services for the benefit of our members who are our primary focus. Our core values are what make us E.P.I.I.C. We are Empathetic to the vast situations and needs of our members and to each other. We are Passionate about the financial growth and success of our members. We are Innovative in our ideas and goals to remain at the top of our class in financial services. Our Integrity is not an option. We require our employees to be honest and have strong moral principles. We are Committed to our promise to be the best financial advocates for our members and the communities we serve.
PRIMARY FUNCTIONS:
The Mortgage Servicing Specialist is responsible for performing the day-to-day servicing activities for the mortgage loan portfolio. This includes payment processing, escrow management, payoff requests, loan maintenance, and member inquiries. The specialist ensures all servicing actions are handled accurately, timely, and in compliance with credit union, investor, and regulatory requirements.
This position requires strong attention to detail, excellent member service skills, and the ability to navigate and maintain data integrity within the Symitar core processing system.
Major Duties and Responsibilities:
Loan Servicing Operations
- Perform account research, adjustments, and maintenance as needed to ensure data accuracy.
- Reconcile general ledger accounts related to mortgage servicing.
- Prepare and process payoff quotes, lien releases, and mortgage satisfactions.
- Review new loans and modifications within Symitar and related systems.
- Complete escrow disbursements for taxes, insurance, and PMI; monitor for shortages and overages.
- Review insurance renewals and track flood/hazard coverage compliance.
- Process and input principal reduction payments accurately within the Symitar system, ensuring proper application to member accounts.
- Coordinate and communicate with third-party partners and internal departments to facilitate Construction Loan Draw requests, verifying required documentation and disbursement accuracy
- Respond to member inquiries via phone, email, and written correspondence regarding mortgage payments, escrow accounts, and general servicing questions.
- Provide professional, courteous, and accurate information to members, ensuring issues are resolved promptly.
- Escalate complex servicing matters to the Servicing Supervisor as needed.
System & Reporting
- Utilize Symitar for account research, servicing activity tracking, and report generation.
- Identify and report system or data discrepancies to the Supervisor for correction.
- Support departmental process improvements and technology updates.
Compliance & Quality Control
- Maintain accurate documentation and follow established servicing policies and procedures.
- Assist with periodic audits, investor reviews, and regulatory examinations.
Experience:
- Minimum 2-4 years of mortgage servicing experience in a financial institution or mortgage company.
- Strong working knowledge of Symitar or other core processing systems required.
- Familiarity with secondary market or investor servicing preferred.
Education/Certifications/Licenses:
- High school diploma or equivalent required; associate or bachelor's degree preferred.
Interpersonal Skills
- Courtesy and tact are essential elements of the job. Work involves personal contact with customers and others inside and outside the organization, generally regarding fairly routine matters for the purposes of giving and obtaining information or instructions, updating or referring. Communications generally require shorter and not in-depth discussions.
Other Skills
- In-depth understanding of mortgage payment processing, escrow analysis, and payoff procedures.
- Knowledge of applicable federal and state servicing regulations.
- Strong attention to detail and ability to meet deadlines.
- Excellent written and verbal communication skills.
- Proficiency in Microsoft Office (Excel, Word, Outlook).
- Ability to work collaboratively in a fast-paced, member-focused environment.
ADA
Physical Requirements
Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
Mental Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
Disclaimers
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
OnPath FCU is an EOE/M/F/Disability/Veteran
OnPath FCU is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters. If you'd like a view a copy of OnPath Federal Credit Union's affirmative action policy or statement, please email, jessica.degruy@beonpath.com or kstamant@beonpath.com
Salary : $20 - $25