Mortgage Servicing Clerk

JOB SUMMARY:
The Post-Closing/Servicing Clerk is responsible for performing and coordinating all aspects of loan reconciliation and servicing for 1-4 family residential real estate loans.  These duties include but are not limited to addressing member and employee inquiries; onboarding and auditing closed loans for completeness; reviewing internal and investor reporting; and working with vendors to resolve issues.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Respond to member and employee inquiries via email and phone.
• Manage and process receivables from members and investors.
• Reconcile and onboard 1-4 unit residential mortgage and Home Equity Line of Credit loans.
• Assist with post-closing quality control and audits through document review and correcting deficiencies.
• Assist with investor loan delivery and fee reconcilement.
• Responsible for ensuring receipt of executed loan documents, file imaging, recorded mortgages and final title policies.
• Responsible for opening, distributing and processing mail received in the department.
• Provide and process loan payoffs.
• Liaison with mortgage sub servicer for the transfer of servicing, reporting and general servicing of residential real estate loans.
• Handle the intake and processing for subordinations and lien releases.
• Maintain and update internal role procedures.
• Comply with Credit Union policies and federal, state and other governmental rules and regulations for mortgage lending and servicing.
• Complete all courses assigned in BVS in accordance with Credit Union policy. 
• Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members.
• Perform other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• High school diploma or equivalent required. 
• Minimum of 1-3 years of mortgage experience, preferably in post-closing and/or servicing.
• General knowledge of lending programs, policies, procedures, documentation, and regulatory requirements.
• Ability to analyze complex loan documents and solve problems while maintaining courtesy, tact, and diplomacy.
• Must be accurate, detail oriented, and organized.
• Excellent communication skills, both verbal and written.
• Demonstrate commitment to professional ethics, including but not limited to adherence to all State and Federal regulations.
• Ability to manage time effectively and work independently without close supervision.
• Must be comfortable with substantial personal contact with others inside and outside of TVFCU for purposes of information sharing, relationship building, soliciting of cooperation, etc.
• Must be able to be bonded and meet Safe Act Requirements, including but not limited to registered or licensed via the Nationwide Multistate Licensing System (NMLS).

If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes:

• Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States
• Criminal background check and drug screening
• Pre-employment credit check required

Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.