What are the responsibilities and job description for the Mortgage Customer Service Advisor position at First United Bank?

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The Position

Job Title

Mortgage Customer Service Advisor

Job Description

SUMMARY

This single point of contact Customer Service Advisor, is responsible for providing current and delinquent borrowers with a direct point of contact that will assist them through the loan servicing process. In addition, customers in default or imminent danger of default contact this Single Point of Contact (SPOC) for assistance in assessing, resolving and executing appropriate workout solutions.

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 :

Models high level of sincere empathy and sensitivity with customers when communicating difficult, and oftentimes, life-impacting solutions.
Cross-collaborates with inter-department teams and other business lines, exhibiting outstanding customer service, communication skills, researching, resolving issues, and maintaining a sense of urgency to keep customer requests within regulations.
Reviews all information the borrower has provided in connection with a loss mitigation application for submission to underwriting including, but not limited to, income and credit, in addition to entry into the application system.
Fosters a positive team and working environment.
Communicates effectively with a diverse population of borrowers.
Handles all situations in a professional, ethical manner.
Escalates special situations or problems, as necessary.
Consistently meets quality control, adherence and data integrity standards utilizing required systems.
Responsible for contacting and providing the borrower with accurate information pertaining, but not limited, to the following :

Loss mitigation options available to the borrower.

Collection of sensitive borrower income documentation for application entry to include, but not limited to, tax returns and paycheck stubs.

Actions the borrower must take to be evaluated for loss mitigation options, including requirements to submit a complete loss mitigation application.

Applicable loss mitigation deadlines for returning documentation required to decision a borrower's mortgage loan application for a workout / modification program.

The status of any loss mitigation application that the borrower has submitted.

Actions the borrower must take to appeal the modification denial, when applicable.

The circumstances under which the borrower may be referred to foreclosure.

Assist borrower with making payments (negotiates / facilitates sense of urgency) when monies are owed, up to and including asking for delinquent payments, taking check by phone payments, and setting up payment arrangements (including follow-up on loan repayment agreements).

Assistance / guidance to borrowers with the completion of any / all documents in the workout package, when applicable.

Other duties as assigned.

Customer contact includes, but is not limited to, the following :

Being available to take incoming and make outgoing calls to / from borrowers regarding their requests for :

Any customer assistance, which may or may not pertain to hardship assistance

Modification package information

Documentation being requested and / or sent with sense of urgency timeline

How to complete the package documents by walking the customer through requirements and needs

Providing a current status of where we are in the process (modification, short / long term assistance)

Making payments by taking check by phone payments

Abilities :

Customer centric focus

Ability to analyze and make decisions for complex borrower requests

Knowledge of consumer banking, mortgage loans, credit bureaus, real estate, and income calculations

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 work well with others and build rapport in business situations

Ability to promote the appropriate company image and maintain a professional attitude

Ability to work independently and without direct supervision

Ability to work in contact center environment, to include wearing a headset

Skills :

Excellent computer skills with strong knowledge of email and Microsoft Office

Strong verbal and written communication skills

Exceptional organizational and time management skills

Problem solving skills

Attention to detail and ability to identify potential issues

Education and / or Work Experience Requirements :

College graduate preferred or equivalent experience in related field.

1-2 years of experience in banking, consumer lending operations, or customer service.

Helpful to have default servicing, collections, loss mitigation experience with understanding of modifications, FDCPA, UDAAP, FFIEC regulatory guidance.

Physical Requirements :

Basic keyboarding or other repetitive motions

Lifting / pushing objects

Must be able to talk, listen and speak clearly on telephone

Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards

Ability to safely and successfully perform the essential job functions consistent with or without the ADA, FMLA and other federal, state and local standards, including meeting qualitative and / or quantitative productivity standards.

NOTE : This job description is not intended to be all-inclusive. Employees may perform other related duties as assigned by supervisors to meet the ongoing needs of the organization.

All Locations : Plano-Parkwood

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

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