Loan Servicing Representative I, Align Credit Union, Lowell, MA

Cooperative Credit Union Association; Lowell (MA); Híbrido; USD 28 000 - 33 000; Tempo integral

Resumo da oferta

Align Credit Union is seeking a Loan Servicing Representative I to support daily loan funding, servicing, and documentation processes for consumer, mortgage, and home equity loans. This role emphasizes accuracy, member service, and adherence to policy in a hybrid Lowell, MA environment.

The position offers a base pay range of $20.00 to $24.00 per hour, with standard hours Monday through Friday and optional on-site days.

Qualificações

• One to three years of financial institution, lending, loan servicing, member service, banking, or related experience preferred.
• Previous experience working directly with members or customers in a financial services environment is beneficial.
• A high school education or GED. Additional education or training in banking, lending, finance, business, or a related area preferred.

Responsabilidades

• Fund approved loans with complete documentation and accurate funding instructions.
• Perform routine loan servicing and payments processing.
• Process paid-loan documentation and maintain collateral records.
• Handle daily mail, payments, payoff activity, and servicing reports within deadlines.
• Answer member questions on loan payments, balances, and payoff information; escalate complex issues.

Conhecimentos

Loan servicing

Member service

Banking

Formação académica

High school diploma or GED

Descrição da oferta de emprego

Align Credit Union is seeking a Loan Servicing Representative I.

Responsibilities

• Loan Funding: Perform funding of approved consumer, mortgage, home equity, and other assigned loans, ensuring required documentation, system information, disbursements, and funding instructions are complete and accurate prior to funding.
• Loan Servicing & Maintenance: Perform routine servicing and maintenance of consumer and real estate loans, including processing payments, account maintenance, research, corrections, and other servicing requests in accordance with established procedures and assigned authority.
• Paid Loan & Collateral Documentation: Process paid-loan documentation and assist with the preparation, tracking, and release of liens, automobile titles, mortgages, discharges, and other collateral documentation. Maintain accurate and organized servicing records.
• Daily Processing: Process assigned daily mail, loan payments, payoff-related activity, reports, documentation, and other routine servicing transactions accurately and within established deadlines. The existing Loan Servicing positions include daily payment processing and paid-loan documentation as core servicing responsibilities.
• Member Service & Loan Support: Respond to member inquiries regarding loan payments, balances, payment histories, payoff information, loan servicing processes, and other routine loan related questions. Research and resolve issues within assigned authority and appropriately elevate more complex matters to the Loan Servicing Representative II or III.
• Online & Digital Banking Support: Assist members with Online Banking and other Credit Union digital services, including routine access, navigation, transaction, and troubleshooting questions. Educate members on available self-service options and elevate technical or account-specific issues when necessary.
• Contact Center Support: Provide backup support to the Contact Center based on business needs, including answering member calls, assisting with routine account and transaction inquiries, processing requests within assigned authority, and directing or escalating matters to the appropriate department when necessary.
• Insurance, Titles & Servicing Support: Assist with assigned insurance, automobile title, escrow, lien, and other loan servicing functions. Review documentation and reports, perform appropriate follow-up, and maintain accurate records in accordance with established procedures. More complex escrow, flood insurance, investor, and secondary-market responsibilities will be handled at the higher Loan Servicing Representative levels. The current servicing descriptions identify these as significant components of the department's overall responsibilities.
• Departmental Support & Cross-Training: Develop working knowledge of the broader Loan Servicing function and cross-train on additional servicing responsibilities to provide departmental coverage as needed. Work collaboratively with Loan Servicing, Lending, Collections, Accounting, Retail, the Contact Center, and other departments to research and resolve member and servicing issues.
• Compliance, Accuracy & Professional Development: Complete assigned responsibilities accurately and timely while adhering to Credit Union policies, procedures, internal controls, investor requirements, and applicable federal and state regulations. Participate in required training and actively develop knowledge of loan servicing, Credit Union products and services, systems, and procedures in preparation for increased responsibilities.
• Other job-related duties, as assigned.

At Align Credit Union, we believe in pay transparency and are committed to providing our employees and candidates with access to information about our compensation practices. The expected base pay rate offered for this role is $20.00 - $24.00 per hour. Compensation may vary based on relevant experience, skills, competencies, and certifications.

This is a hybrid position and required one to two days per week on site in Lowell, MA. Monday-Friday 8:00AM-4:30PM.

Requirements/Skills Needed

• One to three years of financial institution, lending, loan servicing, member service, banking, or related experience preferred. Previous experience working directly with members or customers in a financial services environment is beneficial.
• A high school education or GED. Additional education or training in banking, lending, finance, business, or a related area preferred.