What are the responsibilities and job description for the Mortgage Servicer position at Gulf Winds Federal Credit Union?
Description
About Gulf Winds
Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000 members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren't treated like an account number, but as part of the family.
Our Values
We are guided by our core values of Integrity, Care, Growth, and Innovation and are dedicated to our members, our community and each other.
Integrity
We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.
Care
We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.
Growth
We set ambitious goals, provide personal development opportunities, and encourage results.
Innovation
We challenge the status quo to enhance the member's experience and solve tomorrow's challenges today.
Working at Gulf Winds
Working at Gulf Winds is not just a job, it's a career. We're hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect :
- Open and transparent communication with your leaders
- Consistent coaching and opportunities to improve performance.
- Collaborative and team-focused environments
- Short and long-term professional development
- Opportunity to participate in cross-functional projects.
With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.
Application Deadline : 2 / 21 / 2025
Role :
Responsible for the preparation of periodic loan accounting reports, loan payment processing and administration; reconciliation; preparing satisfactions and ensuring all final documents are received and stored; maintains mortgage files in vault; administration of taxes and insurances, annual escrow analysis, 1098 and other reporting.
Essential Functions & Responsibilities :
Performs all daily tasks with respect to mortgage loan servicing (i.e. payments, payoffs, disbursements, GL balancing); including maintaining loans on servicing system, verification of transactions, and quality control to ensure proper documentation.
Assists members with any mortgage servicing questions. Responds to general questions, payoff requests, prepares payoff statements, and prepares mortgage satisfactions.
Performs post-closing duties as well as coordinates with collections in regard to delinquent accounts.
Processes escrow disbursement and coordinates annual escrow analysis and tax payments.
Coordinates with Collections with any delinquent accounts, SRCA loans, CFPB Servicing requirements and credit union risk department for any deceased mortgage accounts.
Prepares remittances and reports to investors and reconciles applicable accounts; Administers periodic reporting including 1098's.
Performs other job related duties as assigned including coordinating with other departments and vendors to implement new processes and procedures.
Performance Measurements :
1. Escrow administration is carried out timely and accurately, meeting all deadlines.
2. Transactions are conducted in a timely manner, with minimal errors.
3. Remittances, reports, and reconciliations are done on time with minimal errors.
4. All periodic reporting is completed on time with minimal errors.
5. Responses to members and team members are made within the same day. Information given is accurate and
is given in a professional and courteous manner.
6. Any issues are promptly reported to supervisor.
7. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and
Physical Security and also updates daily procedures as processes change.
Knowledge and Skills :
Experience : Previous experience is not required, but one to three years of similar or related experience is desired.
Education : A high school education or GED; a two year degree or completion of a specialized course study is desired.
Interpersonal Skills : Work involves much personal contact with others inside and / or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills : Ability to read, write, comprehend, and speak English clearly. Normally expected to work between 8 : 00 a.m. and 5 : 00 p.m. but may be required to work nights and / or weekends. Must adhere to safety rules and regulations
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.
