Union Bank & Trust · 9 hours ago
Bilingual Mortgage Loan Servicer 1
Lincoln, NE
Full-time
Hybrid
New Grad, Entry LevelUnion Bank & Trust is seeking a Bilingual Mortgage Loan Servicer 1 to manage mortgage payments and provide exceptional customer service. The role involves overseeing escrow accounts and supporting bilingual mortgage loan borrowers throughout their repayment journey.
Financial Services
Responsibilities
Support bilingual mortgage loan borrowers in repayment
Serve as primary translation support for applicants in the origination process as needed
Post or correct various types of mortgage payments, including current, exception or specialty, and payoff payments accurately
Insurance and Tax Escrow Management: Review escrow analysis results. Pay property tax installments to appropriate tax authorities. Administer insurance escrow accounts, including canceling PMI and managing hazard, flood, and mortgage insurance payments. Ensuring timely payments and contacting insurance companies regarding payment status, coverage amounts, and documentation needs. Support the borrower through payment changes and questions. Initiate out of season escrow analysis as needed
Respond to internal and external inquiries, both verbal and written, regarding mortgage servicing activities and general loan questions
Provide exceptional customer service to borrowers by promptly addressing their inquiries, resolving issues, and offering guidance throughout mortgage repayment. Ensure that each borrower feels supported and valued by maintaining clear and effective communication, demonstrating empathy, and providing accurate information. Strive to exceed customer expectations by anticipating their needs and delivering personalized solutions
Compile and maintain required loan documentation records including correspondence with borrowers, payment authorization forms, and updated loan documents
Identify and document any complaints received from the borrower and the resolution of those complaints according to internal compliance standards
Review and verify incoming wire requests for payments and payoffs as well as prepare general ledger entries and comprehend other basic accounting functions
Process incoming investor purchase advices, migrating loans held for sale into servicing retained class codes based on loan ownership
Identify loan ownership when assisting customers or performing servicing activities and always adhere to investor specific guidelines in a timely manner
Obtain a basic knowledge of mortgage products, services, and regulations that are not directly role applicable
Learn from internal and external loan reviews. Seek feedback to identify areas for improvement, implementing best practices to enhance skills and performance
Anticipate requirements of the loan cycle. Engage in ongoing training and development to deepen your understanding of mortgage principles and practices, applying this knowledge to improve servicing accuracy, strategy, and customer experience
Understand and adhere to all bank policies, laws and regulations applicable to your role. Complete compliance training, and follow internal processes and controls as required
An advanced knowledge level of federal and state regulations specific to mortgage servicing activities is required for consideration of advancement to Servicer 2
Report all compliance issues, violations of law or regulations in accordance with the steps defined in bank policies
Regular and reliable attendance is an essential function of this position
Performs other job-related duties or special projects as assigned
Qualification
Required
Computer skills are required due to the moderate level of proficiency with computer systems and an understanding of how to use software to achieve goals
Proficiency in using collaboration tools like shared drives and documents, digital workspaces, and the ability to digitally organize, store, and retrieve files and documents
Capable of managing multiple software applications and tasks simultaneously
Highly proficient in Microsoft Office products
Strong foundation in basic and financial math. Addition, subtraction, multiplication, division, percentages, solving equations, applying formulas, understanding interest calculations, interpret amortization, and using math skills to identify and resolve discrepancies in pay histories, escrow analysis, statements, and general ledger entries
Enjoy providing phone level customer service as a high percentage of week
High school diploma required; post-secondary education preferred
Advanced bilingual proficiency in speaking, reading and writing in Spanish required with financial competency preferred
Ability to provide exceptional customer service to Spanish-speaking borrowers, addressing their inquiries and resolving issues effectively
Understanding of cultural nuances and the ability to communicate respectfully and effectively with diverse populations
Preferred
Time efficient in managing multiple projects and deadlines
Accurate and detailed
Effective communicator
Independent with team orientation
Customer service focused
Self-directed and takes initiative
Projects a professional image and positively promotes the bank's products, services and policies
Company
Union Bank & Trust
Most banks offer similar services. It’s how those services are delivered and how the bank treats you as an individual that sets it apart.
Founded in 1917
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Angie Muhleisen
President and CEO
Dave Dickson
President/CEO and Director of First Union Financial Corporation
Recent News
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