Bilingual Mortgage Servicing Specialist I

First Citizens Bank; Columbia (SC); On-site; USD 42,000 - 62,000; Full time

Job summary

First Citizens Bank in Columbia, SC is seeking a Mortgage Servicing Specialist to provide front-line service and support for mortgage servicing activities, including payments processing and escrow management. The role collaborates with clients and internal teams to ensure accurate loan setup, payoff processing, and timely handling of insurance and tax matters.

On-site, Monday–Friday, 9:00 am–6:00 pm. The ideal candidate has a High School diploma and at least one year in mortgage-related

Qualifications

• High School Diploma or GED and 1 year of escrow, client service, or mortgage/bank operations experience.
• Bilingual (Spanish) is preferred.

Responsibilities

• Process mortgage payments, adjustments, reversals, and changes.
• Answer inbound calls and provide resolution or call routing.
• Process payoff requests, mail disclosures, and ensure regulatory timelines.
• Verify loan documents and manage escrow, taxes, and insurance activities.
• Set up new loans for servicing, including construction loans and releases.

Skills

Customer service skills

Detail oriented

Communication (Written and Verbal)

Education

High School Diploma or GED

Job description

Overview

This position provides front-line service and support for Bank-owned and serviced mortgages. Works directly with clients, associates, and other key stakeholders during the course of daily activities, and may act as a liaison between parties involved in mortgage actions. Performs a variety of servicing tasks which may include payments processing, answering client calls, entering loan set-up packages, facilitating loan satisfactions or releases, and managing insurance policies and real estate tax bills. May verify documentation, track exceptions, and other duties intended to review for accuracy in loan applicant information. Ensures mortgages are appropriately supported and complete to facilitate workflow for the mortgage servicing function of the Bank.

This position is onsite and not a remote position and hours are 9:00 am - 6:00 pm Monday - Friday

Responsibilities & Qualifications

• Business Service - Performs a variety of actions to facilitate daily operations and mortgage servicing for Bank clients, associates, and other relevant parties. Understands loan transaction history to provide resolution for identified issues.
• Mortgage Servicing - May perform some or all of the following duties:
  • Payment Processing - Processes timely and accurate mortgage payments, adjustments, reversals, and changes.
  • Client Service - Answers inbound calls from customers, etc. providing resolution or call routing. Receives and processes requests for payoffs by providing payoff quotes, mailing disclosures, and reviewing for accuracy. Ensures that loan documents are properly satisfied and forwarded to the customer or settlement agent within the regulatory timeline. Processes system maintenance such as address and name changes, and verification of mortgage requests.
  • Escrow Management - Manages real estate taxes and hazard, flood and private mortgage insurance, including the force-placed insurance process. If appropriate, reviews new and renewed policies to confirm required coverage, updating certificates as necessary. Prepares escrow invoices for payment, reviews vouchers for accuracy, and mails payments to the payee. Manages the electronic data interface (EDI) process for the insurance companies and real estate tax vendor to ensure the Bank servicing system is updated with current information. Researches changes and notifications related to real estate tax bills and insurance policies. Orders coverage and notifies clients for force-placed insurance process.
  • Loan Establishment - Sets up new loans for accurate servicing, including construction loans. Verifies interface accuracy and that of loan closing documents. Manages service release of loans to purchasers or investors.
• Coordination - Works closely with clients, associates, and other relevant parties to source necessary information and documentation required for mortgage activities. Coordinates actions within business unit to ensure timely and effective service delivery.

Position Specific Skills

• Customer service skills
• Detail oriented
• Communication (Written and Verbal)

Qualifications

• Minimum Required Education and Experience: High School Diploma or GED and 1 years' experience in Escrow, Client Service, or Mortgage/Bank operations.
• Preferred Qualificaitons: Bilingual (Spanish) preferred

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.