Payment Processor

Location: On site at location listed in job posting.

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience.  We are passionate about doing things right and doing the right things.  We collaborate with each other and with our internal business partners to delight our customers.  We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best.  Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

Summary: 

The Payment Processor is responsible for posting all payments received to include complex situations for bankruptcy, foreclosure, recovery and short sales, noting all applicable systems, working reports as assigned, determine loan payoff amount and preparing final payoffs letters as requested and any other clerical duties as assigned.    

We are seeking a dedicated, disciplined individual who excels in a team environment, who takes ownership and who is enthusiastic about a job well done. 

Essential Duties and Responsibilities:  

• Organize various checks received according to type and source.
• Use appropriate systems to locate account numbers.
• Note all accounts in the applicable system.
• Prepare virtual and physical tickets as required.
• Post payments using Instep Teller machine.
• Review daily force debit report.
• Process all approved force debits using Instep Teller machine.
• Record all processed force debits.
• Mail appropriate notification letters to customers.
• Communicate and collaborate with Bankruptcy, Foreclosure, Recovery, and Short Sale departments on posting complex payments according to their policies and procedures.
• Monitor payoff request mailbox for requests
• Review all loan systems to determine the appropriate payoff amount.
• Prepare final payoff letters for approval.
• Send final payoff letter to requestor via mail, fax or email.
• Other clerical duties as assigned to include but not limited to data entry, scanning, ARX uploads, assisting on various projects or in other departments as needed.

Abilities: 

• Customer Centric focus (and) goodwill servicing practices.
• Ability to analyze and make decision for complex payment scenarios
• Knowledge of consumer banking, mortgage loans, credit bureaus, real estate, appraisal, and title reports.
• Act as an effective team player.
• Ability to work under pressure and meet deadlines.
• Ability to evaluate situations and make appropriate business decisions.
• Ability to manage multiple and/or conflicting responsibilities.
• Ability to promote the appropriate company image and maintain a professional attitude.
• Ability to work independently and without direct supervision.

Skills:

• Exceptional organizational and time management skills
• Strong verbal and written communication skills
• Problem solving skills

• Strong attention to detail and ability to identify potential issues

Education and/or Work Experience Requirements:

• High School Diploma or equivalent
• 1 or more years of work experience preferred
• Previous teller experience a plus

• Default servicing, Bankruptcy, Foreclosure, Collections, Loss Mitigation experience with thorough understanding of CFPB, OCC, and FFIEC regulatory guidance a plus

Physical Requirements:

• Ability to safely and successfully perform the essential job functions consistent with or without the ADA, FMLA and other federal, state and local standards
• Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards
• Must be able to talk, listen and speak clearly on telephone

Hours:

• Monday - Friday
• 8:00 AM - 4:30 PM

About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.  

Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits 

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