Loan Servicing Specialist III

Banesco USA; Miami (FL); Sur place; USD 70 000 - 100 000; Plein temps

Résumé du poste

Banesco USA in Miami, FL is seeking a Loan Servicing Specialist III to handle complex loan servicing operations, escrow management, and regulatory compliance. The role emphasizes process automation, AI integration, and data integrity to improve accuracy and efficiency.

The position requires 5+ years in loan servicing, strong knowledge of core banking systems, and bilingual English/Spanish communication. It offers senior-level responsibilities, mentorship, and cross-functional collaboration

Qualifications

• Associate degree in Business Administration or equivalent experience; Bachelor’s degree preferred.
• 5+ years in banking, Loan Servicing/Loan Operations or equivalent.
• Experience or working knowledge of AI tools, workflow automation, OCR, or Excel scripting.
• Proficiency with core banking software including Jack Henry (JHA Silverlake), nCino, Cognos, and CoreLogic.
• Strong knowledge of loan documentation, escrow processing, and Participated/Syndicated Loans.
• Bilingual in English and Spanish; ability to read, write, and speak both languages fluently.
• Attention to detail, analytical problem-solving, organization, and clear communication.

Responsabilités

• Oversee and process loan payments, escrow disbursements, and annual escrow analyses.
• Monitor real estate tax and insurance tickler reports to prevent lapses.
• Input and monitor insurance types and tax folios in Jack Henry; transfer data to CoreLogic.
• Prepare flood notices, payoff letters, and UCC-3 continuations.
• Reconcile flood, tax service fees, and daily PLC reconciliations; support customer inquiries.
• Mentor other specialists and assist in audit reviews and corrective actions.

Connaissances

Bilingual English/Spanish

Audit & QA

Customer support

Mentorship

Formation

Associate degree in Business Administration

Bachelor’s degree preferred

Outils

Jack Henry

nCino

Cognos

CoreLogic

Microsoft Office

Description du poste

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Loan Servicing Specialist III

Operations & Admin Areas Miami, FL, US

12 days ago Requisition ID: 1721

Position Summary

The Loan Servicing Specialist 3 acts as a senior subject matter expert within the Loan Servicing Department, responsible for handling complex loan servicing operations, escrow administration, collateral tracking, and customer inquiries. Exercising independent judgment, this role ensures portfolio accuracy, resolves complex operational escalations, and ensures compliance with bank policies and regulatory guidelines.

Additionally, this position serves as a key driver of operational efficiency by evaluating existing loan servicing workflows, auditing processes, and utilizing Artificial Intelligence (AI), automated workflow tools, and robotic process automation (RPA) to streamline data verification, minimize manual errors, and enhance servicing productivity.

Essential Functions & Duties

Loan Servicing & Escrow Operations

• Oversee and process loan payments, escrow disbursements, annual escrow analysis, and payments for real estate taxes and insurance premiums.
• Monitor real estate tax and insurance tickler reports (via Jack Henry and Cognos) to prevent coverage lapses or delinquent taxes.
• Assure proper input and monitoring of all insurance types (including flood determination data) and real estate tax folios into Jack Henry, ensuring data is transferred to CoreLogic on a timely basis.
• Prepare and review flood expiration notices, satisfaction letters, partial releases, payoff letters, and UCC-3 continuations.
• Reconcile flood determination, tax service fee general ledger accounts, and daily PLC reconciliations.
• Provide expert support for customers, bank staff, and vendor inquiries related to escrow and loan servicing.
• Support loan servicing quality control processes.

Escalations, Data Integrity & Mentorship

• Act as the final escalation authority within the servicing team to resolve complex documentation deficiencies and operational issues.
• Review and validate system-captured loan data, identifying miscoded information and preparing necessary post-closing adjustments or reclassifications.
• Assist in internal and external audit reviews for the loan servicing area, helping draft responses and implement corrective actions.
• Direct daily servicing workflows, mentor other Loan Servicing Specialists, and lead departmental training programs.

Process Automation, AI Integration & Continuous Improvement

• Autonomously evaluate loan servicing workflows to identify manual bottlenecks and operational inefficiencies.
• Leverage AI tools, optical character recognition (OCR), and process automation solutions to automate data entry, document classification, and reconciliation tasks.
• Collaborate with IT and operations teams to design, test, and deploy automated servicing solutions that increase accuracy and throughput.

Qualification Requirements

• Education: Associate degree in Business Administration or equivalent experience (Bachelor’s degree preferred).
• Experience: 5+ years of experience in the banking industry, specifically within a Loan Servicing, Loan Operations environment, or equivalent.
• AI & Automation Skills: Experience or strong working knowledge of leveraging AI tools, workflow automation, OCR technology, or Excel scripting to improve operational efficiency.
• Technical Systems: Proficiency in core banking software, including Jack Henry (JHA Silverlake), nCino, Cognos, CoreLogic, and Microsoft Office Suite.
• Loan Knowledge: Strong knowledge of loan documentation, escrow processing, and Participated/Syndicated Loans.
• Language Skills: Bilingual in English and Spanish required (ability to fluently read, write, and speak both languages).
• Core Competencies: Exceptional attention to detail, analytical problem-solving capabilities, strong organizational skills, and effective communication at all levels of the organization.

BSA, Compliance & Risk Management Responsibilities

• Comply with all BSA/AML policies and regulations to properly detect and report unusual or suspicious activities.
• Abide by the Enterprise Risk Management (ERM) Policy to proactively identify, monitor, and mitigate operational risks within the loan servicing department.