Citizens Banking
Loan Servicing Specialist
Citizens Banking, Avon, Indiana, United States, 46123
Summary of Job Responsibilities:
Under general supervision, responsible for performing all duties associated with servicing the Bank's Mortgage and Consumer lending portfolio. Provide superior customer service to the Bank's customers, lending personnel, and branches. Maintain a comprehensive knowledge of loan products and state and federal regulations.
Essential Duties:
Perform simple and complex transactions on consumer indirect and direct loan accounts including, but not limited to: Auto loans, RV Loans, Boat Loans, Personal Secured Loans, Personal Unsecured Loans, Check Protect, and all Indirect loans through the dealership.
Various functions related to Mortgage loans including, but not limited to: Selling loans to the secondary market, processing incoming closing packages, boarding new mortgage loans to NuPoint.
Handle all functions related to Escrow analysis for Mortgage Loans.
Research and resolve servicing issues in support of lending officers and customers within scope of authority and expertise by any means including CCC transfers, phone, mail, CRM cases, and in-person requests.
Perform file maintenance on mortgage and consumer loans as requested.
Ensure compliance with state and federal regulations, Bank policy, and department procedures.
Assist in developing and updating procedures.
Perform processing including tracking, ticklers for secured lending, and insurance claims.
Review loan approvals to ensure and monitor the closed loan files meet the approval in all requirements.
Scan, index, and upload documents to the imaging system.
Assist with audit prep.
Meet deadlines with an appropriate sense of urgency.
Identify and communicate servicing issues and trends.
Maintain customer confidentiality and confidence while performing servicing functions and conversations.
Responsible for ensuring that the Bank's internal and external customers receive an adequate level of service and ensures all questions or concerns have been addressed.
Strictly adheres to Bank Secrecy Act requirements, applies organizational policies and procedures in all activities.
Adheres to all regulatory laws and compliance policies and regulations.
Completes assigned regulatory compliance training courses.
Will back up for Consumer, Mortgage, and Escrow Loan Servicing Specialist as needed.
Other duties as assigned.
Other Essential Duties:
Responsible for special projects and/or duties relating to departmental functions as assigned by the senior loan officer.
Works directly with the VP Mortgage, Consumer, and Compliance Department in assuring the Bank is up to date with all changes. This may require policy or procedure changes.
Skills and Abilities Required:
Ability to work independently in a multi-tasking environment while meeting critical deadlines.
Proven ability to solve complex issues and complete assigned tasks with minimal supervision.
Strong interpersonal communication with a focus on providing excellent customer service.
Must have excellent organizational skills; be detail-oriented, accurate, and self-motivated.
Must be able to work remotely at times and maintain normal levels of production with minimal supervision.
Minimum Level of Preparation and Training Required:
Minimum of two years' experience in the banking-related industry.
Minimum of two years' customer service experience, preferred.
Minimum of two years' experience in loan processing, preferred.
Knowledge of consumer and mortgage loan documentation preferred.
Strong knowledge of the various types of financial instruments specific to the repayment of debt preferred.
Working Conditions:
Generally good. Some exposure to adverse conditions when making business development calls.
Exposed to potentially hazardous conditions (i.e. robbery/hostage). Receives detailed instructions concerning procedures to be followed during a robbery/hostage situation.
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Under general supervision, responsible for performing all duties associated with servicing the Bank's Mortgage and Consumer lending portfolio. Provide superior customer service to the Bank's customers, lending personnel, and branches. Maintain a comprehensive knowledge of loan products and state and federal regulations.
Essential Duties:
Perform simple and complex transactions on consumer indirect and direct loan accounts including, but not limited to: Auto loans, RV Loans, Boat Loans, Personal Secured Loans, Personal Unsecured Loans, Check Protect, and all Indirect loans through the dealership.
Various functions related to Mortgage loans including, but not limited to: Selling loans to the secondary market, processing incoming closing packages, boarding new mortgage loans to NuPoint.
Handle all functions related to Escrow analysis for Mortgage Loans.
Research and resolve servicing issues in support of lending officers and customers within scope of authority and expertise by any means including CCC transfers, phone, mail, CRM cases, and in-person requests.
Perform file maintenance on mortgage and consumer loans as requested.
Ensure compliance with state and federal regulations, Bank policy, and department procedures.
Assist in developing and updating procedures.
Perform processing including tracking, ticklers for secured lending, and insurance claims.
Review loan approvals to ensure and monitor the closed loan files meet the approval in all requirements.
Scan, index, and upload documents to the imaging system.
Assist with audit prep.
Meet deadlines with an appropriate sense of urgency.
Identify and communicate servicing issues and trends.
Maintain customer confidentiality and confidence while performing servicing functions and conversations.
Responsible for ensuring that the Bank's internal and external customers receive an adequate level of service and ensures all questions or concerns have been addressed.
Strictly adheres to Bank Secrecy Act requirements, applies organizational policies and procedures in all activities.
Adheres to all regulatory laws and compliance policies and regulations.
Completes assigned regulatory compliance training courses.
Will back up for Consumer, Mortgage, and Escrow Loan Servicing Specialist as needed.
Other duties as assigned.
Other Essential Duties:
Responsible for special projects and/or duties relating to departmental functions as assigned by the senior loan officer.
Works directly with the VP Mortgage, Consumer, and Compliance Department in assuring the Bank is up to date with all changes. This may require policy or procedure changes.
Skills and Abilities Required:
Ability to work independently in a multi-tasking environment while meeting critical deadlines.
Proven ability to solve complex issues and complete assigned tasks with minimal supervision.
Strong interpersonal communication with a focus on providing excellent customer service.
Must have excellent organizational skills; be detail-oriented, accurate, and self-motivated.
Must be able to work remotely at times and maintain normal levels of production with minimal supervision.
Minimum Level of Preparation and Training Required:
Minimum of two years' experience in the banking-related industry.
Minimum of two years' customer service experience, preferred.
Minimum of two years' experience in loan processing, preferred.
Knowledge of consumer and mortgage loan documentation preferred.
Strong knowledge of the various types of financial instruments specific to the repayment of debt preferred.
Working Conditions:
Generally good. Some exposure to adverse conditions when making business development calls.
Exposed to potentially hazardous conditions (i.e. robbery/hostage). Receives detailed instructions concerning procedures to be followed during a robbery/hostage situation.
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