Mortgage Servicing Specialist I

Are you looking for an opportunity to let your skills shine? Come join the team at Copper State Credit Union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. With only 140 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At Copper State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

As a Mortgage Servicing Specialist I, you will:

• Assist internal credit union staff with member requests, issues and inquiries.
• Maintain consistent and professional communication with members and vendors to request additional documents or provide updates to open-ticket items.
• Serve as a liaison between the Credit Union and the mortgage subserving vendor to address servicing needs, data discrepancies and member requests, inquiries and issues.
• Demonstrates active participation in subservicer scheduled meetings.
• Respond timely to member inquiries related to payments, escrow inquiries – taxes, insurance and analysis, payoff requests, statement copies, ACH setup, PMI and escrow removal requests and other member inquiries.
• Monitor and review daily reports from the subservicer to ensure loan activity is accurate and aligns with credit union policy.
• Track insurance expirations from the subservicer to alleviate possible lapses in coverage.
• Assist with other subservicer activities and reporting.
• Timely onboarding of new loans to the subservicer utilizing the loan origination system.
• Prepare documents, coordinate and communicate with the Document Custodian.
• Participate in ongoing training relating to mortgage servicing, mortgage industry standards, and other credit union objectives.
• Maintain a working knowledge of all credit union products and services.
• Demonstrates a basic understanding of Regulations X and Regulation Z, HPA, HMDA and CFPB rules, with the expectation to participate in ongoing training to stay relevant to industry updates.
• Work interactively with other team members to promote unity and consistency of operations within the organization. Work with other team members towards the attainment of branch/department/organizational goals, in addition to their personal/professional goals.

To be successful in this role, you will need the following competencies:

Technologically Astute - Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation - Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success. 

A Service Focus - Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation, collaboration, and mutual respect. Personify CSCU's role as a Trusted Advisor.

Initiative - Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment. 

Eye for Quality - Take responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed. 

Flexibility - The ability to excel in a high stress environment, adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Company Overview

Join a winning team and a dedicated Credit Union! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

• Requires education equivalent to a four-year high school education or general education degree (GED). Some post-secondary education preferred.
• Minimum of 1 year real estate lending processing and/or origination experience required, preferably in a credit union or other financial institution.   
• Professional well developed interpersonal skills essential for servicing credit union members and projecting a positive image as representative for the credit union. Approaches others in a tactful manner, reacts well under pressure, accepts responsibility for own actions, and follows through on commitments.  
• Work requires basic knowledge of loan policy and procedures, credit reporting, interest rates and how they are computed, and loan products and services.
• Requires sound judgment to handle situations that fall outside clearly defined guidelines.
• Strong attention to detail and organizational skills to manage repetitive tasks in a fast-paced environment.  
• Technologically Astute – Must demonstrate the ability to use technology to effectively and efficiently perform job functions. Knowledge of PC applications including Word and Excel required. Experience with automated core banking system preferred. 
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.)