Mortgage Servicing Specialist

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.Major Duties and Responsibilities:Uphold SmartBank Core Values and Core Purpose.Adhere to and embrace the SmartBank Way by Acting Smart, Looking Smart and Being Smart.Mortgage Loan Boarding & ServicingBoard new mortgage loans, modifications, and maintenance transactions into the bank's core servicing system.Post client payments, payoffs and online transactions (OTE) daily.Review posted transactions and daily loan activity to ensure accuracy.Reconcile and balance servicing-related general ledger accounts.Maintain daily servicing records and monitor loan maintenance activities.Prepare payoff quotes and process paid-in-full loan transactionsLoan File Management & DocumentationPrepare loan files for imaging and maintain electronic and physical loan records.Maintain collateral files and track outstanding documentation.Coordinate loan document retention, archiving, and file security procedures.Secondary Market & Post-Closing SupportServe as a primary support resource for loans sold into the secondary market.Record sold loan transactions in applicable systems.Register secondary market loans with MERS.Issue client servicing transfer notificationsCoordinate with Mortgage Loan Post-Closing staff to facilitate timely investor delivery of loan documents.Customer and Internal SupportResearch and resolve customer inquiries related to mortgage servicing activities.Handle credit bureau dispute investigations and corrections.Prepare and distribute borrower notices, including billing, maturity, rate change, delinquency, and other required communications.Provide support for department projects and special assignments.Compliance & Risk ManagementMaintain confidentiality of customer and company information.Adhere to all SmartBank policies, procedures, and core values.Comply with all federal, state, local, investor, and agency regulations, including Bank Secrecy Act requirements.Participate in ongoing regulatory, servicing, and compliance training.Maintain a high level of quality, accuracy, and operational integrity.Position Requirements and QualificationsEducation and ExperienceHigh school diploma or equivalent required.Three or more years of mortgage servicing, mortgage operations, loan administration, post-closing, or related banking experience preferred.Mortgage servicing or post-closing experience preferred.Knowledge, Skills, and AbilitiesWorking knowledge of mortgage servicing regulations and practices, including portfolio and secondary market loans, escrow administration, PMI, force-placed insurance, and investor reporting.Strong attention to detail with excellent organizational and documentation skills.Ability to prioritize multiple responsibilities and meet deadlines in a fast-paced environment.Strong analytical, problem-solving, and decision-making abilities.Excellent verbal and written communication skills.Proficiency in Microsoft Office applications, mortgage origination systems, servicing platforms, and related technology.Ability to handle confidential information appropriately.Demonstrated commitment to customer service and teamwork.Self-motivated with the ability to work independently while supporting team objectives.Training RequirementsOngoing regulatory, compliance, investor, and mortgage servicing training as required. (WorkDay and KnowB4)Work ConditionsAbility to sit for extended periods of time.Frequent use of computers and office equipment requiring repetitive hand and finger movements.Ability to review and process detailed documentation with a high degree of accuracy.Ability to work under deadlines and manage fluctuating workloads.May be required to travel periodically for training, meetings, or branch support.Occasional overtime may be required to meet operational and investor deadlines. #J-18808-Ljbffr