Mortgage Loan Servicer I

Mortgage Loan ServicerDepartment: MortgageReports to: Mortgage Loan Servicing ManagerEssential Duties:Reviews loan documents and initiates funding for loan closingPerforms booking of all new loans and creates new loan filesMonitors escrow accounts and initiates timely follow-up with agents and/or tax collectorsMakes insurance premiums and real estate tax payments from escrow accountsPerforms annual escrow analysis and mails statement and surplus refund checksMonitors delinquent loans and prepares appropriate notices including demand letterMonitors and records withdrawn and declined loansProcess paid off loans by preparing all necessary documents for recordation of Satisfaction of Deed and overpayment refund checks if anyMails mortgage payment due notices and process paymentsScans loan documents including HUD, Note, Deed of Trust, Satisfaction of Deed, Title Policy, etc.Reviews and pays state required recording fees and vendor feesPrepares mortgage loan pipeline and board meeting reportsPerforms other mortgage servicing activities to include, but not be limited to, account research, payment adjustments and various loan maintenance needsPerforms all duties in compliance with BSA/AML regulations and requirementsObtains adequate data for CIP on all wire and money instrument transactionsMonitors and reports suspicious activity to the BSA OfficerCompetencies:Communication:Greets customers and coworkers in a friendly mannerUses common courtesy when speaking with customers and coworkersCommunicates clearly and effectively in writing and speakingReacts to feedback appropriatelyAble to communicate negative information positively and professionallyCompliance:Familiar with the overall BSA/AML regulations and requirementsExhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SARExhibits adequate knowledge of the following concepts: placement, layering, and integrationFamiliar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an accountExhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loan productsKnows where and to whom any "suspicious" activity should be reportedPersonal Integrity:Demonstrates commitment to providing quality service to customersMakes commitments that are within the scope of the positionAccepts responsibility for own workMaintains strong commitment to the bank's conduct/accuracy guidelinesTaking responsibility for a thorough and detailed method of working.Respect:Values diversity, differences in experience, backgrounds, and opinions of othersTreats all people with dignity and honestyShows respect and sensitivity for cultural differencesRespects the confidential nature of informationMaintains composure when dealing with the unexpectedTeam Work:Promotes teamwork with flexibility and cooperationWorks in the best interest of their team to achieve overall Bank goalsKnows when to ask for help, solicit input from appropriate resourcesWorks effectively and productively with all areas of the BankCustomer Focus:Knowing the (internal and external) customer business needs and acting accordingly;Anticipating customer needsGiving high priority to customer satisfaction and customer serviceJob Knowledge:Understands policies, procedures, and regulations related to their job description.Has the product and operational knowledge needed to do the job.Has the technical skills required to do the job and uses technology appropriately.Remains current on all Bank communication.Personal Development:Continues to develop knowledge of Metro City Bank products, services, and proceduresDemonstrates commitment to continuous learning and improvementRemains current on all Compliance courses as assignedEducation/Additional Training or Certifications:Associates degree with Accounting Major or equivalent work experienceKnowledge/Experience:Software skills including Microsoft Office, Adobe, Internet, and EmailWork Environment:The work environment characteristics described here are representative of those 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. The noise level in the work environment is usually moderate.Physical Demands:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and color vision.AAP/EEO Statement:Metro City Bank is an Equal Employment Opportunity/Affirmative Action Employer with regard to Females, Minorities, Veterans and Disabled PersonsOther Duties:Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.