Loan Servicing Specialist III - Residential

Rfcu; Canton (MA); Hybrid; USD 37,000 - 40,000; Full time

Benefits offered by this job

Hybrid work from home flexibility

Competitive benefits package

Employer 401(k) plan

Job summary

Arise Financial in Canton, MA is seeking a Loan Servicing Specialist III – Residential to support critical mortgage servicing functions, including loan boarding, post-closing review, and file maintenance. You will ensure accurate entry, documentation, and servicing in compliance with internal policies and regulatory requirements while delivering exceptional service to members and internal partners.

The role requires 3–5 years of mortgage servicing experience and proficiency with Encompass;

Qualifications

• Three to five years of experience in mortgage servicing, loan operations, post-closing, or a related lending environment.

Responsibilities

• Review closed loan files to ensure completeness, accuracy, and compliance with internal policies and regulatory requirements.
• Board new mortgage and home equity loans accurately into the core processing system using Encompass.
• Verify loan terms, interest rates, payment schedules, escrow information, borrower data, funding amounts, and disbursement records.
• Identify, investigate, and resolve discrepancies between loan documentation and system data by partnering with underwriting, closing, and post-closing teams.
• Maintain organized and compliant loan records while performing quality control reviews on newly boarded loans.
• Process a variety of servicing transactions, including payment corrections, payoff quotes, loan recasts, ARM notices, and loan modifications.
• Perform daily loan file maintenance and assist with general ledger balancing and reconciliation activities.
• Manage member and internal service requests through Help Scout, ensuring timely and accurate resolution.
• Provide phone support for mortgage servicing operations and prepare daily rate sheets.
• Support departmental initiatives and perform other duties as assigned.

Skills

Mortgage servicing experience

Encompass

Regulatory compliance

Attention to detail

Communication skills

Education

High school diploma or equivalent

Associate's or Bachelor's degree preferred

Tools

Encompass

Job description

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 - Residential

Full Time Professional Canton, MA, US

Salary Range: $26.50 To $29.00 Hourly

About the Opportunity

There's never been a more exciting time to join us! We're launching a new brand and a new name Arise Financial(formerly known as Rockland FCU) with a bold vision for the future—one built on innovation, technology, and a commitment to helping people live more and worry less.

For more than a century, we've believed that banking is about putting people first. We're building on that legacy while embracing new ideas and creating an even better experience for both our employees and the members and communities we serve.

If you're looking for a place where you can grow, make an impact, and help shape what's next, we'd love to hear from you.

Why You'll Love Working Here

• Certified Great Place to Work
• Competitive pay
• Comprehensive benefits package includinghealth, dental, vision, life, and AD&D
• 401(k) plan with employer match
• Hybrid work from home flexibility (min 3 days a week in office)
• Generous paid time off and holidays
• Tuition reimbursement and professional development opportunities
• Opportunities for professional growth and career development
• Meaningful work that positively impacts our members and communities

About the Role

As an experienced Loan Servicing Specialist III – Residential you’ll helpsupporting critical loan servicing functions, including loan boarding, post-closing review, file maintenance, and complex servicing transactions. The ideal candidate will ensure mortgage and home equity loans are accurately entered, documented, maintained, and serviced in compliance with internal policies and regulatory requirements while delivering exceptional service to both members and internal partners.

What You'll Do

• Review closed loan files to ensure completeness, accuracy, and compliance with internal policies and regulatory requirements.
• Board new mortgage and home equity loans accurately into the core processing system using Encompass.
• Verify loan terms, interest rates, payment schedules, escrow information, borrower data, funding amounts, and disbursement records.
• Identify, investigate, and resolve discrepancies between loan documentation and system data by partnering with underwriting, closing, and post-closing teams.
• Maintain organized and compliant loan records while performing quality control reviews on newly boarded loans.
• Process a variety of servicing transactions, including payment corrections, payoff quotes, loan recasts, ARM notices, and loan modifications.
• Perform daily loan file maintenance and assist with general ledger balancing and reconciliation activities.
• Manage member and internal service requests through Help Scout, ensuring timely and accurate resolution.
• Provide phone support for mortgage servicing operations and prepare daily rate sheets.
• Support departmental initiatives and perform other duties as assigned.

What We're Looking For

• High school diploma or equivalent required; associate's or bachelor's degree preferred.
• Three to five years of experience in mortgage servicing, loan operations, post-closing, or a related lending environment.
• Working knowledge of mortgage and home equity loan products, servicing procedures, and applicable regulations.
• Experience with Encompass and core loan servicing systems preferred.
• Strong analytical, organizational, and problem-solving skills with a high level of attention to detail.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Proven ability to collaborate effectively across departments and contribute to a positive team environment.
• Understanding of mortgage servicing requirements, compliance standards, and data integrity best practices.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity,national origin, or protected veteran status and will not be discriminated against on the basis of disability.

In alignment with our commitment to pay transparency, we're pleased to share that the base range for this position is $26.50 - $29.00 per hour , excluding fringe benefits or potential incentives. If you're hired, your final base pay will be determined based on factors such as skills, education, and experience. We also take pay equity seriously and consider the internal equity of our current team members as part of any final offer.

This job posting is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements.

At this time, the Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization). If you need sponsorship now or in the future, look for this statement in the job description before you apply: “The Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, we will not provide sponsorship for the candidate to work in the United States.