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Mortgage Servicer II Resume Example

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MORTGAGE SERVICER II
Professional Summary

Motivated banking professional possessing a strong commitment to quality customer service coupled with superb communication skills. Builds customer loyalty by effectively resolving problems and quickly processing transactions.

Skills
  • Cash handling expertise
  • Compliance, banking laws and regulations
  • Excellent time management skills
  • Practices due diligence
  • Positive
  • Goal-oriented
  • High level of accuracy
  • MS Office
Work History
Mortgage Servicer II | 11/2019 to Current
Merrimack Valley Federal Credit Union - Lawrence, MA
  • Communicates with members as needed to answer questions, resolves concerns, and keeps members satisfied.
  • Maintains a positive relationship with the members.
  • Responsible for boarding of all Mortgage and Fixed Equity products along with Priority Funding loans onto FICS Mortgage Servicer. Additionally, board all HELOC's onto Symitar.
  • Processes daily reports and exceptions and balances the FICS GL.
  • Manually assesses monthly late charges for all Mortgage, Equity, and Priority Funding loans.
  • Generates and reviews monthly billing statements for all FICS loans ensuring data integrity.
  • Processes Disability and Life Insurance, Flood Insurance, Homeowners Insurance, Private Mortgage Insurance, and real estate tax payments when due and monitors the portfolio to ensure all payments are timely.
  • Maintains the necessary indexes and escrow interest rates within the FICS Mortgage Servicer Administrator module.
  • Generates and analyzes all required Adjustable Rate Mortgage changes while ensuring adherence to program and regulatory requirements.
  • Processes and balances daily FNMA remittances and researches and resolves any exceptions/rejects. Balances FNMA accounts and portfolio per FNMA requirements. Generates necessary reporting.
  • Maintains Portfolio Loan Spreadsheet to accurately identify loans held for sale to FNMA.
  • Prepares and submits loan sale data and documentation to FNMA. Completes loan sale and ensure all loans are balanced and assigned to the correct investor in the FICS Mortgage Servicer system. Emails reports to management.
  • Gathers documentation for modification, partial release, subordination, and utility easement requests. Provides member updates and obtains necessary approvals to expedite the processes.
  • Determines the required actions for insurance checks received for property damage. Orders the needed inspections and ensures work is completed per plans and specifications; releases funds per guidelines.
  • Processes and researches member requests for PMI cancellation per guidelines.
  • Performs required Annual Escrow Analysis per Regulatory guidance. Provides internal and external member support for issues/questions which may arise.
  • Processes 1098/1099 tax forms for year-end IRS reporting.
  • Runs yearly PMI disclosures and mails to members.
  • Works toward achieving sales/service goals by attending department meetings, one-on-one meetings and product knowledge and selling skills training, on an ongoing basis.
  • Lives MVCU's passion and quality initiative through teamwork and quality service to internal and external customers and members, process improvement and elimination of waste.
Loan Servicing Representative | 12/2015 to 11/2019
Jeanne D'Arc Credit Union - Lowell, MA
  • Process all loan payoffs to ensure accuracy.
  • When my supervisor left, I took over all her responsibilities and maintained my current position.I learned her job in a matter of weeks and have kept the department in good standing.
  • Process all general ledger tickets and Net Funding Worksheets for the loan processors and the closing department to ensure accurate processing of new loan fees and disbursement as required.
  • Respond to customer inquiries and call center research requests regarding loan payments.
  • Responsible for the quality control of new loans including real estate secured and non-real estate secured loans.
  • Responsible for quoting payoff figures on mortgage and consumer loans.
  • Responsible for performing monthly COL reconciliations. Identify research and resolve all variances on reconciliations.
  • Responsible for Equity and Mortgage Loan Discharges.
  • Responsible for scanning daily work, loan documentation, customer payment requests and any other related documents in the appropriate bank system.
  • Back up for the appraisal ordering.
  • Responsible for responding to Loan Servicing Group Emails and requests from Branches and Contact Center Representatives.
  • Responsible for the quality control review and delivering of correspondent loans.
  • Responsible for clearing the stipulations from correspondent lenders in order to receive the wires.
  • Responsible for the registration and transfer of MERS for correspondent loans.
Member Service Representative | 07/2014 to 12/2015
Jeanne D\'Arc Credit Union - Lowell, MA
  • Maintained friendly and professional customer interactions.
  • Opened new accounts.
  • Cross-sold products to members.
  • Executed customer transactions, including deposits, withdrawals, money orders and checks.
  • Rapidly and efficiently prepared customer and ATM cash and change orders.
  • Executed wire transfers, stop payments and account transfers.
  • Advised clients on mortgage, educational and personal loans.
  • Processed quarterly Vault and ATM audits with a zero error rate.
  • Sold cashier's checks, traveler's checks and money orders.
  • Answered telephone inquiries on banking products including checking, savings, loans and lines of credit.
Assistant Head Teller | 09/2011 to 07/2014
TD Bank - North Andover, MA
  • Executed customer transactions, including deposits, withdrawals, money orders and checks.
  • Rapidly and efficiently prepared customer and ATM cash and change orders.
  • Organized, stocked and maintained the teller window area.
  • Processed quarterly Vault and ATM audits with a zero error rate.
  • Collected member loan payments.
  • Sold cashier's checks, traveler's checks and money orders.
  • Processed exchange and foreign currency.
  • Maintained friendly and professional customer interactions.
Education
New England College of Business And Finance - Boston, MA | Associate of ScienceBusiness Administration-Banking and Finance
  • Coursework in Business Administration-Banking and Finance
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Resume Overview

Companies Worked For:

  • Merrimack Valley Federal Credit Union
  • Jeanne D'Arc Credit Union
  • Jeanne D\'Arc Credit Union
  • TD Bank

School Attended

  • New England College of Business And Finance

Job Titles Held:

  • Mortgage Servicer II
  • Loan Servicing Representative
  • Member Service Representative
  • Assistant Head Teller

Degrees

  • New England College of Business And Finance - Boston , MA | Associate of Science

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