Mortgage Loan Servicer at Choice Bank

Bismarck, North Dakota, United States -

Full Time

Start Date

Immediate

Expiry Date

08 Sep, 26

Salary

26.29

Posted On

10 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Servicing, Loan Documentation, Escrow Management, Customer Service, Problem Solving, Analytical Thinking, Microsoft Word, Microsoft Excel, Microsoft Access, Communication Skills, Attention To Detail, Organizational Skills, Time Management, Interpersonal Skills, Decision Making, Loan Administration

Industry

Banking

Description

Description The Mortgage Loan Servicer is primarily responsible for processing of all in-house consumer real estate portfolio loans and residential mortgage servicing portfolio transactions for Choice Bank. Responsibilities Loan Documentation and Processing Process loan documents timely and accurately in accordance with Choice Financial, federal and state laws requirements. Inputs loan information onto the core system to accurately reflect executed loan documents. Loan Administration Processes updates to loans in the core system, including updates to addresses, payment options, payment schedules, statement delivery options, escrow addendums, etc. Maintains the integrity and accuracy of loan information on the core system by reviewing daily reports and ensuring prompt resolution of transaction exceptions and errors or omissions in account setup. Processes loan payments daily. Completes assigned reconciliations and follows-up with appropriate individuals regarding discrepancies. Manages Escrow: Reviews daily reports, completes reconciliations, and processes payments for escrowed real estate taxes, private mortgage insurance, and hazard insurance. Oversees Insurance Tracking: Reviews tracking reports, provides weekly data uploads, follows up on weekly exceptions and works to resolve customer issues. Processes the Mortgage Department’s paid notes and collateral releases. Manages the tracking process of past due real estate taxes. Compiles data for and completes the HMDA-LAR in established timelines. Images Documents to Document Imaging System Mortgage Servicing Inputs mortgage loans on core system. Processes FNMA and other secondary market purchase transactions. Completes daily cash remittance and month-end reporting for secondary market loan portfolio. Assists with follow up as it relates to servicing the in-house and secondary market mortgage portfolio. Customer Service and Product Support Supports, advances, and is responsible for meeting Premier Experience service standards, including providing daily user support. Acts as the dedicated point of contact for customer inquiries and concerns, ensuring timely, accurate, and empathetic responses. Maintains ownership of issues from initial contact through resolution, proactively following up to guarantee customer satisfaction. Collaborates with internal teams to resolve complex matters and communicates updates clearly to customers. Other Projects & Responsibilities Assists with preparing mortgage files for internal and external review. Collaborates with appropriate loan department staff on related questions/issues regarding loan documentation or Creates and/or updates department specific procedures when necessary. Identifies opportunities to improve the customer experience and shares feedback with leadership to enhance service delivery. Other General & Administrative Assist with completing special projects and assignments as required by department leadership Actively participate in internal and external continuing education for mortgage loan operations and leadership Contain knowledge of company products and services Have a working knowledge of Choice Financials policies and procedures and comply with them Maintain complete confidentiality with regards to customer accounts, loans and bank relationships Project a positive image of Choice Financial when representing the organization Actively support management and organizational goals Interact with other employees to promote teamwork, communications, trust and respect Adapt to meet the ever-changing customer and community needs Performs duties outside normal scope as assigned Related Skills & Key Competencies Leads as a team player with excellent interpersonal skills and develops partnerships Takes initiative by proactively identifying what needs to be done and acts Communicates effectively with excellent written and oral communication skills Promotes and administers change and accepts diversity Exhibits problem-solving, analytical thinking, and decision-making skills Fosters open communication Follows policies and procedures Proficient computer skills including Microsoft Office (Word, Excel, Access) Must work in an efficient, systematic way Must display consistency, thoroughness, attention to detail, and strong organizational skills Use sounds judgment in prioritizing tasks to work under tight deadlines Demonstrates strong customer service skills, including active listening, empathy, and clear communication. Ability to manage multiple inquiries while maintaining professionalism and accuracy. Requirements 2 to 4 years of relevant experience with requisite competencies Strong understanding of mortgage servicing processes and systems. Demonstrated ability to provide exceptional customer service, acting as a dedicated point of contact for inquiries and concerns. Proficiency in communication (written and verbal) and problem-solving skills. Ability to manage multiple priorities while maintaining accuracy and professionalism. Travel Requirement This position requires travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs. Cultural Alignment Choice is #PeopleFirst, banking second. People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. In contributing to our culture, Choice team members are guided by our core values. Embrace change and encourage innovation. Know when to ask for help and know when to offer help. Better the places we live. Work hard. Do the right thing. Have a little fun. Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. Disclosure This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees. All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise. The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience, and geographic location. Full-time employees are also eligible for a competitive bonus and benefits package.

Responsibilities

Responsible for processing in-house consumer real estate portfolio loans and residential mortgage servicing transactions. This includes managing loan documentation, escrow, insurance tracking, and providing dedicated customer support.