Mortgage Servicing Specialist

Position Summary

This position will be
responsible for the interim servicing of the residential loans sold on the
secondary market. Responsibilities include performing duties of loan set-up,
loan pay-off, account reconciliations, customer service and past-due
collections.

Essential Duties and
Responsibilities (Other duties may be assigned.)

• Board mortgage loans to the servicing system accurately and timely
  upon receipt of completed loan closing packages.
• Verify the accurate transfer of loan fees, terms, and related data
  from the loan origination system to the servicing system and general
  ledger.
• Monitor and track receipt of initial mortgage payments for loans
  serviced by the Bank.
• Process loan payoffs in the servicing system upon receipt and
  reconciliation of investor purchase advices.
• Perform daily monitoring, balancing, and reconciliation of
  assigned general ledger accounts and designated demand deposit accounts
  (DDA).
• Research and resolve account variances within established
  timelines and compliance standards.
• Provide exceptional customer service and support to both secondary
  market and portfolio mortgage customers.
• Conduct collection activities, including contacting customers with
  delinquent mortgage payments to discuss repayment options and account
  status.
• Develop, document, and maintain department procedures to ensure
  compliance, consistency, and operational efficiency.
• Cross-train with team members and provide backup support to ensure
  business continuity and coverage of critical functions.

Qualifications

Education &
Experience

• High school diploma or equivalent required;
  Associate's or Bachelor's degree in Business, Finance, Accounting, or a
  related field preferred.
• Minimum of 2 years of experience in mortgage
  servicing, mortgage operations, loan processing, banking operations, or a
  related financial services role.
• Experience with mortgage servicing systems and
  loan origination systems preferred.

Knowledge & Skills

• Working knowledge of mortgage servicing
  practices, investor loan purchases, payment processing, and collections.
• Understanding of general ledger balancing,
  account reconciliation, and basic accounting principles.
• Strong attention to detail with a high level of
  accuracy in data entry, balancing, and transaction processing.
• Excellent analytical and problem-solving skills
  with the ability to research and resolve discrepancies in a timely manner.
• Strong customer service and interpersonal skills,
  with the ability to communicate professionally with customers and internal
  stakeholders.
• Ability to prioritize multiple tasks, meet
  deadlines, and work effectively in a fast-paced environment.
• Proficient in Microsoft Office applications,
  including Excel, Word, and Outlook.
• Strong written communication skills with the
  ability to create and maintain procedures and documentation.
• Ability to work independently and collaboratively
  as part of a team.
• Demonstrated commitment to confidentiality,
  compliance, and operational risk management.

Other Requirements

• Ability to cross-train on departmental functions
  and provide backup support as needed.
• Willingness to adapt to changing priorities and
  operational needs.
• Regular and reliable attendance.

FIRST COMMUNITY BANK (SC) is an EEO Employer - M/F/Disability/Protected Veteran Status


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