Mortgage Servicing Special Loans Analyst On-Site - 5295

About this role

• **JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!** **Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:** * *Medical, dental, and vision insurance* * *Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses* * *Employee and Dependent Life Insurance* * *401(k) Retirement Plan with 100% match on the first 5% contributed by you* * *Paid Leave* * *Tuition Reimbursement and Competitive Scholarships* * *Short-Term & Long-Term Disability Benefits* * *Employee Assistance Program* ***WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS*** **Position:** Mortgage Servicing Special Loans Analyst **Department:** Mortgage Loans **Reports to:** Investor Reporting Manager **FLSA:** Non-Exempt **SUMMARY** Responsible for the processing and coordination of special loan types and functions as outlined by servicing management.
• **SUPERVISORY RESPONSIBILITIES** None **ESSENTIAL FUNCTIONS** * Prepares letters pertaining to the status of mortgages, instructions to Attorneys, and related inquiries, as well as preparation of all miscellaneous correspondence.
• * Review, research, and perform title releases, prepare partial releases, monitor deed release log Review, track, and research final mortgage package documents are returned from attorneys in a timely manner * Receives, reviews and prepares documents for loan modifications - including assumptions, constructions rollovers, hardship modifications, principal reduction modifications, recast and subordinations.
• * Obtain recorded deed of trust and final title policy for QA analysis before document transfer * Adjustable-Rate Mortgage (ARM) Loan input, daily rates and maintenance.
• * Borrower's Authorization, Successor in Interest and Deceased Borrower research and document/systems updates * Ability to perform all functions related to HELOC servicing to include payment research, rate adjustments, billing, reporting, tax / insurance related functions * Receive, research and prepare documents related to the Servicemembers Civil Relief Act (SCRA).
• * Ability to meet established productivity standards.
• * Displays a willingness and ability to be cross trained throughout the department and assist others within the Mortgage Loan Department as well.
• * Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
• **Other Duties and Responsibilities:** Any other assigned duties.
• **QUALIFICATIONS** To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• The requirements listed below are representative of the knowledge, skills and/or abilities required.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• **Education:** * High school education or GED.
• **Experience and Other Requirements:** * Three years to five years of similar or related experience.
• * Must become familiar with all KFCU guidelines, policies and procedures, departments, and their relationships.
• * Knowledge of VA, FHA, USDA, and GSE Investor Guidelines.
• * Must be skilled in Jack Henry (Core) Loan Processing and Loan Servicing Systems.
• * Must possess exceptional communication skills to actively communicate with internal departments, attorneys, and other vendors that supply services for KFCU mortgage loan department.
• * Must exhibit an exceptional comprehension or arithmetic competency and possess basic clerical skills, including operating a PC.
• * Must possess an outgoing personality with a helpful attitude and well developed sales culture attitude toward credit union services and products.
• * Accuracy and attention to detail required.
• * Must possess and maintain good interpersonal skills with members and other employees.
• * Must possess on-going ability to keep abreast of changing policies and procedures.
• * Must maintain confidentiality and display dependability.
• * Overtime may be required, as work and circumstances require.
• **Interpersonal Skills:** Courtesy, tact, and diplomacy are essential elements of the job.
• Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
• **Computer Skills:** * Extensive use of personal PC required.
• * Must be proficient in Microsoft Word and Excel, as well as use of internet and e-mail.
• **Certificates, Licenses and Registrations:** * Must obtain Residential Certified Mortgage Servicing (RCMS) certification within first 2 years of KFCU employment in Mortgage Servicing department and maintain continued education requirements for recertification every 2 years thereafter.
• **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, stand and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear.
• The employee is frequently required to kneel, crouch, or stoop.
• The employee is occasionally required to lift and/or move up to 25 pounds.
• **WORK ENVIRONMENT** The work environment characteristics 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.
• Extensive use of desktop computer is required.
• The noise level is that of a normal office environment.
• **DECLARATION** The human resources department retains the sole rights and discretion to make changes to this job description.
• 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 (https://www.eeoc.gov/poster) notice from the Department of Labor.

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