Mortgage File Retention Representative

About Us

Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 260,000 members from 28 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union’s sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.

What We Offer

Thank you for your interest in a career with Ascend Federal Credit Union! Being employed by Ascend is vastly different than just holding a job. The credit union prides itself on providing employees rewarding career opportunities, competitive benefits and a unique work culture. The credit union’s commitment to its employees is fostered by its commitment to the member-owners, ensuring dedicated and engaged employees to serve the membership. Ascend’s vision to be the most loved credit union in our market by employees and members alike has earned the credit union distinctions including Federal Credit Union of the Year (NAFCU, 2015), Best Credit Union to Work For (2016-2024) and Training APEX Awards (2015-2024).

Overview

Perform back office support to the Mortgage Lending Department and Mortgage Servicing Department.

#LI-Onsite

Responsibilities

• Follow instructions from and report all problems to the Mortgage Servicing Manager.
• Responsible for filing documents and maintaining accurate files for Mortgage Lending Department.
• Pull mortgage files upon request.
• Ensure all recorded and Legal Documents are filed in a timely manner.
• Ensure all previously pulled Mortgage files are filed back in the vault in a timely manner.
• Maintain accurate filing system for closed mortgage loans and comply with record retention guidelines.  Box and coordinate scanning and shipment within record retention guidelines.
• Paid off/closed mortgage files –
  • pending release process
  • post release
  • Withdrawn/Rejected retention and rotation
  • Foreclosed real property
  • Pre-Qualifications
  • Bankrupt mortgage files
  • Construction – in progress
  • Flood
• Keep and maintain the vault in a clean and orderly fashion.
• Insurance (daily)
• Receipt stamp all insurance policies upon receipt.
• Copy all multi-policy notices for member separation
• Separate cancellations from renewals
• Research by member and subject property address for appropriate loan number recording on the policy (Datasafe and FICS)
• Scan and file the non-escrow policies in to the member mortgage files
• Scan and file for escrow accounts - update .EAS with current payee number (insurance provider) premium amount, policy due date, policy number (MISC 1), insurance provider (MISC 2), etc.
• Files all escrow policies in member mortgage file when MSR process is complete
• File Home Equity Insurance policies and notifications in Mortgage file.
• Verify Address Changes in DataSafe and FICS MS as submitted by the IT Department.
• Mail – (daily – incoming department mail distribution)
• Date stamp all mail upon receipt.
• Distribute mail to appropriate employee designated on the envelope (interoffice or other)
• Identify and forward mail intended for Legal and other departments
• Research all mail that is not specifically addressed for proper and timely distribution
• Assist in special and/or mass mailings.
• Read all internal publications including Source and Possibilities.

Qualifications

Education:

• High school graduate or equivalent.

Knowledge, Skills and Abilities: 

• Must be able to communicate with members and co-workers in a positive manner.
• Must be accurate in all job duties to provide high, quality job performance.
• Regular and reliable attendance is required.
• Working knowledge of computer programs including Microsoft Word, Microsoft Excel and Excel SQL, Microsoft Outlook, Datasafe, Datasafe Navigator, and FICS.
• Must have ability to operate or have ability to be trained to operate related office equipment, including calculator, receipt printers, computer terminal, multifunction copier, personal computer, telephone and typewriter.

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Ascend Federal Credit Union is an Equal Opportunity Employer.