Business Banking Loan Admin II

At Liberty, we are proud to integrate our Diversity, Equity and Inclusion (DE&I) throughout all functions and areas of the Bank in order to maximize our impact and exceed goals. We believe that deepening our DE&I strategies in the workplace and communities we serve, creates a much better place to work for our teammates and a safe place where our customers are connected and supported. We take pride in promoting through initiatives and investment a socially responsible and sustainable future.

This is a part time role.

SUMMARY OF THE JOB:

Reporting to the Escrow Team Lead, the incumbent is responsible for supporting Escrow and Insurance payment and monitoring for Commercial and Residential loans. Also, as needed, may be responsible for new and on-going servicing of Commercial Real Estate, Resort Finance, Syndicated, Community Banking and Small Business loans. Responsible for ensuring loan files are properly documented, the loan is boarded on the CORE system correctly and in compliance with all applicable state and federal regulations.

ESSENTIAL FUNCTIONS:

• Provide courteous, efficient, and personalized service to internal customers
• Maintain the confidentiality of all information as directed by Bank Policy and Regulatory Requirements
• Responsible for compliance of all regulations pertinent to the operations of Residential and Consumer Mortgage Servicing including: RESPA, HOPA, FEMA, TILA, FDIC & CFPB, etc.
• Responsible for compliance of all flood insurance maintenance, monitoring and disbursing payments from escrow accounts.
• Responsible for compliance of all tax disbursement analysis, reconciliation of disbursement reports and timely execution of tax payments.
• Responsible for and analysis of mortgage insurance records and pays monthly premiums when due.
• Responsible for homeowner insurance maintenance reports utilizing third party vendor and ensures timely renewal records executing force placement when warranted.
• Process servicing functions to be compliant within regulatory constraints for residential mortgages, adjustable-rate mortgages, home equity and overdraft protection lines of credit, automobile, boat, mobile home and second mortgage loans.
• Maintain the integrity of the loan portfolio through the review; tracking, payment, customer and third party follow up as relates to Homeowners, PMI, Flood, Property Taxes and Escrow Analysis.
• Process Insurance tracking uploads; provide research assistance to 3rd Party Insurance Tracking vendor
• Provide exceptional customer service and problem resolution to both internal and external customers via thorough knowledge of product, policy, regulatory requirements and technical ability.
• Service customers via dedicated 800 number, addressing inquiries and problem resolution on any facet of Servicing.
• Responsible for sending a wide array of correspondence to customers on a daily basis.
• Complete GL Account Reconciliations
• Meets all goals for productivity, quality and turnaround times.
• Remains up to date on all Liberty Bank policies and department procedures.
• Performs other duties as assigned by team leader, supervisor or manager
• Participate in Team Meetings.
  
  

The incumbent is expected to consistently exhibit the bank’s core values which include having a passion for customer service; building collaborative relationships with trust and integrity; treating everyone with dignity and respect; and taking pride in one’s work.

MINIMUM REQUIREMENTS:

• Strong working knowledge of Insight or proven ability to learn complex transactional systems.
• 3-5 years prior Loan Servicing, Imaging and/or equivalent financial professional experience required.

• Possess aptitude for learning imaging software and recognizing problems that are software or system related.
• Proven proficiency with Microsoft Office Suite.
• Strong interpersonal communication, ability to multi-task and provide exceptional customer service to internal and external customers.
• Strong time management skills, ability to prioritize work, meet deadlines and work efficiently with minimal supervision.
• Math and accounting aptitude; analytical skills.
• Accurately and efficiently performs all servicing functions in keeping with regulatory requirements.
• Accurately analyzes and identifies various types of legal documents for all products
  

PHYSICAL REQUIREMENTS:

• General Office Equipment
• Keyboard Dexterity
• Prolonged Sitting and Standing
  
  

COMPLIANCE:

Acts affirmatively in all activities under his/her control in conformance with the Bank’s Affirmative Action, Equal Employment Opportunity, and Fair Lending Programs to achieve the Bank’s goals and objectives. The bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train and evaluate persons in all jobs without regard to race, color, religion, sex, national origin or veteran status.

Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.

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