Consumer Loan Servicing Specialist - Headquarters

ADP, Inc.; Houston (TX); On-site; USD 23,000 - 30,000; Full time

Job summary

Automatic Data Processing, Inc. – Houston Headquarters is seeking a Consumer Loan Servicing Specialist to handle lien perfections, payoff processing, escrow management, and related activity for both consumer and real estate loans.

The role requires accurate processing, strong customer service, and compliance with lending regulations. The position involves daily reporting, coordination with internal departments, and handling complex inquiries from members and third parties.

Qualifications

• High school diploma is required.
• Minimum 6 months of experience at a financial institution performing customer service, account research, and investigations.
• Knowledge of Texas DMV titling regulations and/or real estate process is desirable.
• Must possess a valid Texas ID/DL for DMV title transfers.
• Strong judgment, ability to work independently and in a team, and solid problem-solving skills.

Responsibilities

• Process department emails, faxes, mail, instant messages, and tickets; respond promptly and professionally.
• Handle lien perfection paperwork for consumer and real estate loans; verify accuracy.
• Service Real Estate accounts: quotes, payoffs, escrows, and annual HMDA reporting.
• Generate daily, weekly, and monthly reports; contact members and institutions to obtain required paperwork.
• Post real estate and consumer loan payoff checks per guidelines; assist with lien releases.
• Review registrations, process in/out-of-state title requests and vehicle transport notices.
• Ensure compliance with state and federal laws, including AML and bank secrecy.
• Cross-train to cover department duties as needed.
• Communicate with members, dealers, financial institutions, and government agencies to resolve issues.

Skills

Customer service

Attention to detail

Verbal communication

Multitasking

Microsoft Office

Organizational skills

Education

High school diploma

Job description

Consumer Loan Servicing Specialist - Headquarters

CONSUMER LENDING Full Time Administrative FUQUA ADMINISTRATION, Houston, TX, US

2 days ago Requisition ID: 1449

Salary Range: $17.00 To $22.00 Hourly

Location
2650 N. Featherwood Drive, Houston, TX 77034

Primary Job Function

Act on research and/or information requests originating from internal departments, members, and third parties accurately and promptly. Process and prepare lien perfections and releases, payoffs, and payments for all funded loans at Texas Bay Credit Union. Review, analyze and process requests and ensure that information and resulting actions are based on credit union and department policy and procedures.

Essential Duties and Responsibilities

• Process all requests submitted through the Consumer Loan Servicing Department’s email, fax, mail, instant message, and ticketing systems channels. Respond to requests within established timeframes and always provide prompt and courteous customer service internally and externally.
• Process lien perfection paperwork on all consumer and real estate loans. This includes reviewing each loan packet received and ensuring accuracy depending on the situation.
• Full servicing of Real Estate accounts including but not limited to quoting and processing payoffs, establishing escrow accounts, escrow, and tax payments, annual reporting for Home Mortgage Disclosure Act.
• Work daily, weekly and monthly reports as needed. Identifying and contacting members, dealerships and other financial institutions to obtain and/or correct appropriate paperwork to perfect liens. Review and process incoming dealer drafts.
• Post real estate and consumer loan payoff checks after all required paperwork has been received according to credit union guidelines. Contact appropriate parties to obtain required paperwork if not provided. Assists with real estate and consumer collateral lien release for paid-off loans.
• Check perfected registrations, process in and out of state title requests, and requests to transport vehicles out of the county.
• Adjust accounts to comply with the Service Members Civil Relief Act, process letter of guarantee, GAP claims, and warranty refund requests. Complete changes to loans per approved modification agreements and subsequent actions.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position; also ensure compliance with policies, procedures, and regulations as it pertains to job functions and duties.
• Understands all department duties and can step in and successfully perform those duties without advance notice.
• Responsible for extensive and complex communication with members, dealers, financial institutions, third parties, and government agencies for problem resolutions, questions, and research items.
• Provide support and technical assistance to internal departments regarding Consumer Loan Servicing inquiries.
• Assumes responsibility for related duties and projects as required or assigned.

Other Duties and Responsibilities

• Adhere to credit union policies and procedures
• Attend work-related and self-development courses
• Perform other duties as assigned or needed
• As an employee of an “Essential Business” (as defined by Texas’s Executive Order GA 14), employees are expected to continue to report to work as scheduled during state-issued emergency declarations.

Required Knowledge and Abilities

• High school diploma
• Minimum 6 months of experience at a financial institution (or similar) performing customer service, check deposits, account research, and investigating
• Knowledge of Texas DMV titling regulations and/or real estate process desired
• Possess a valid Texas ID/DL to perform DMV title transfers
• Possess and use sound judgment
• Ability to work independently and in a group setting
• Working knowledge and ability to use Microsoft Office software or other standard office equipment
• Organizational and planning skills
• Attention to detail and problem-solving skills
• Excellent written and verbal communication skills
• Must be self-motivated and a quick learner
• Must be able to multi-task and work well in a fast-paced environment
• Must have a positive and strong work ethic

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing a computer monitor for extended lengths of time, travel to and from all credit union offices, and travel to local tax assessor/county clerk offices.

Disclaimer

The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.