Mortgage Servicing Specialist
United Community Bank, Blairsville, GA, United States
Mortgage Servicing Specialist
United Community is seeking a detail-oriented and highly motivated Mortgage Servicing Specialist to support the Bank's mortgage third-party sub-servicing relationships. This role partners closely with the Mortgage Servicing Administrator to ensure servicing operations, compliance, and reporting requirements are executed accurately and efficiently. The Mortgage Servicing Specialist plays a key role in monitoring sub-servicer performance, supporting audits and regulatory compliance, and identifying opportunities to improve servicing processes and mitigate risk. What You'll Do
Assist the Mortgage Servicing Administrator with managing third-party relationships and daily operations with mortgage sub-servicer(s) Maintain, create, and review daily, monthly, and quarterly servicing reports Filter and route correspondence and requests from sub-servicer(s) to the appropriate internal departments Approve or recommend PMI cancellation requests, collateral releases, service charge waivers, and other servicing exceptions Support day-to-day servicing functions by identifying operational risks and vulnerabilities at the loan-level and portfolio-level Develop and implement corrective action plans for servicing issues and provide guidance to prevent future occurrences Evaluate sub-servicer processes and recommend improvements to reduce business risk and enhance servicing performance Develop and utilize exception reporting to identify problem areas and improve departmental performance Maintain working knowledge of current servicing compliance regulations, including CFPB, foreclosure, loss mitigation, claims procedures, and HUD requirements Participate in scheduled sub-servicer site visits Review servicing operational and quality assurance processes and recommend technology enhancements to streamline workflow Assist team members through internal and external training resources Provide data and documentation for state, federal, and third-party audits related to servicing activities Provide feedback and trend analysis from quality control results and counterparty scorecards Requirements For Success
Bachelor's degree or equivalent work experience Minimum of 2 years of loan servicing experience or equivalent mortgage industry experience Knowledge of government mortgage products and documentation Working knowledge of agency investor, regulatory, and servicing requirements Knowledge of GNMA servicing requirements preferred Experience with loan servicing guidelines, procedures, restrictions, and reporting requirements Experience with loan accounting systems and general accounting principles Knowledge of tax and insurance escrow operations Familiarity with servicing software and electronic reporting processes; MERS experience preferred but not required Strong organizational skills with the ability to prioritize, manage multiple projects, and meet deadlines Excellent interpersonal, communication, time management, and customer service skills Ability to exercise independent judgment and work effectively in a fast-paced environment Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook Ability to complete all required compliance training, including Bank Secrecy Act / Anti-Money Laundering training Conditions Of Employment
Must be able to pass a background and credit check This is a full-time, non-remote position requiring schedule flexibility, including evenings and weekends as needed FLSA Status: Exempt Ready to take your career to the next level? Apply now and become a vital part of our team! We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Pay Range
USD $38,769.00 - USD $57,876.00 /Yr.
United Community is seeking a detail-oriented and highly motivated Mortgage Servicing Specialist to support the Bank's mortgage third-party sub-servicing relationships. This role partners closely with the Mortgage Servicing Administrator to ensure servicing operations, compliance, and reporting requirements are executed accurately and efficiently. The Mortgage Servicing Specialist plays a key role in monitoring sub-servicer performance, supporting audits and regulatory compliance, and identifying opportunities to improve servicing processes and mitigate risk. What You'll Do
Assist the Mortgage Servicing Administrator with managing third-party relationships and daily operations with mortgage sub-servicer(s) Maintain, create, and review daily, monthly, and quarterly servicing reports Filter and route correspondence and requests from sub-servicer(s) to the appropriate internal departments Approve or recommend PMI cancellation requests, collateral releases, service charge waivers, and other servicing exceptions Support day-to-day servicing functions by identifying operational risks and vulnerabilities at the loan-level and portfolio-level Develop and implement corrective action plans for servicing issues and provide guidance to prevent future occurrences Evaluate sub-servicer processes and recommend improvements to reduce business risk and enhance servicing performance Develop and utilize exception reporting to identify problem areas and improve departmental performance Maintain working knowledge of current servicing compliance regulations, including CFPB, foreclosure, loss mitigation, claims procedures, and HUD requirements Participate in scheduled sub-servicer site visits Review servicing operational and quality assurance processes and recommend technology enhancements to streamline workflow Assist team members through internal and external training resources Provide data and documentation for state, federal, and third-party audits related to servicing activities Provide feedback and trend analysis from quality control results and counterparty scorecards Requirements For Success
Bachelor's degree or equivalent work experience Minimum of 2 years of loan servicing experience or equivalent mortgage industry experience Knowledge of government mortgage products and documentation Working knowledge of agency investor, regulatory, and servicing requirements Knowledge of GNMA servicing requirements preferred Experience with loan servicing guidelines, procedures, restrictions, and reporting requirements Experience with loan accounting systems and general accounting principles Knowledge of tax and insurance escrow operations Familiarity with servicing software and electronic reporting processes; MERS experience preferred but not required Strong organizational skills with the ability to prioritize, manage multiple projects, and meet deadlines Excellent interpersonal, communication, time management, and customer service skills Ability to exercise independent judgment and work effectively in a fast-paced environment Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook Ability to complete all required compliance training, including Bank Secrecy Act / Anti-Money Laundering training Conditions Of Employment
Must be able to pass a background and credit check This is a full-time, non-remote position requiring schedule flexibility, including evenings and weekends as needed FLSA Status: Exempt Ready to take your career to the next level? Apply now and become a vital part of our team! We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Pay Range
USD $38,769.00 - USD $57,876.00 /Yr.