Mortgage Servicing Specialist

Gulf Winds; Pensacola (FL); On-site; USD 35,000 - 44,000; Full time

Benefits offered by this job

11.5 paid federal holidays

PTO starting at 18 days for new hires

16 hours of paid volunteer time

competitively priced medical insurance

dental and vision coverage with 100%}

employer-paid life insurance

short-term disability coverage

401(k) with company match

employer-funded pension plan

flexible spending accounts

tuition reimbursement

wellness programs

Job summary

Gulf Winds is seeking a mortgage loan servicing professional in Pensacola, FL to manage payments, reconciliations, and documentation. You will handle payoff statements, satisfactions, and maintain mortgage files while ensuring accuracy and timely processing.

The role requires 2–3 years of servicing experience, strong accuracy, and the ability to coordinate with collections and vendors. A high school diploma is required; opportunities for professional development and competitive benefits are

Qualifications

• Mortgage loan servicing experience required (2-3 years).
• High school diploma or GED; an associate degree or specialized course is preferred.

Responsibilities

• Perform daily mortgage loan servicing tasks, including payments, payoffs, disbursements, reconciliations and document management.
• Handle omnichannel call and chat with same-day resolution standards.
• Assist members with mortgage servicing questions, payoff requests and satisfactions; manage vendor administration.
• Coordinate with collections and risk departments on delinquent mortgage accounts; manage tax payments and escrow analyses.
• Prepare remittances and reports to investors; reconcile accounts and invoices (1098s, PMI disclosures).
• Support cross-functional teams and implement improved processes and procedures.

Skills

Mortgage loan servicing

Education

High school diploma or GED

Two-year degree or specialized course

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.

Full Time Clerical Pensacola, FL, US

Salary Range: $25.50 To $32.00 Hourly

About Gulf Winds

Service Beyond Banking - At Gulf Winds, we are forward-thinking and team-oriented. We recognize and reward service that exceeds our members’ expectations and, most importantly, have fun while working hard and impacting our community. We’re looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation

Our Values

Integrity

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

We Invest in Our People

• 11.5 paid federal holidays
• PTO starting at 18 days for new hires
• 16 hours of paid volunteer time
• competitively priced medical insurance
• dental and vision coverage with 100% of individual premiums paid by Gulf Winds
• employer-paid life insurance
• short-term disability coverage
• a 401(k) with company match
• an employer-funded pension plan
• flexible spending accounts
• tuition reimbursement
• wellness programs

Working at Gulf Winds

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Role

Responsible for the preparation of periodic loan accounting reports, loan payment processing and administration; reconciliation; preparing satisfactions and ensuring all final documents are received and stored; maintains mortgage files in vault; administration of taxes and insurances, annual escrow analysis, 1098 and other reporting.

Essential Functions & Responsibilities

30%Performs all daily tasks with respect to mortgage loan servicing (i.e. payments, payoffs, disbursements, GL balancing); including maintaining loans on servicing system, verification of transactions, and quality control to ensure proper documentation. Omnichannel call and chat handling, queue management, and follows same day resolution standards.

20%Assists members with any mortgage servicing questions. Responds to general questions, payoff requests, prepares payoff statements, and prepares mortgage satisfactions. Active vendor administration including weekly file uploads and downloads and annual county tax payments against statutory deadlines.

15%Performs post-closing duties as well as coordinates with collections in regard to delinquent accounts. Weekly review of force placed insurance billing, verification with members and agents, and independent approve/decline authority.

15%Processes escrow disbursement and coordinates annual escrow analysis and tax payments.

10%Coordinates with Collections with any delinquent accounts, SRCA loans, CFPB Servicing requirements and credit union risk department for any deceased mortgage accounts.

5%Prepares remittances and reports to investors and reconciles applicable accounts; Administers periodic reporting including 1098's. Monthly balancing and disbursement for Essent and Enact/Genworth invoices, GL check entries, certificate cancellations on payoffs, and annual PMI disclosure notices.

5%Performs other job related duties as assigned including coordinating with other departments and vendors to implement new processes and procedures.

Performance Measurements

1.Escrow administration is carried out timely and accurately, meeting all deadlines.

2.Transactions are conducted in a timely manner, with minimal errors.

3.Remittances, reports, and reconciliations are done on time with minimal errors.

4.All periodic reporting is completed on time with minimal errors.

5.Responses to members and team members are made within the same day. Information given is accurate and is given in a professional and courteous manner.

6.Any issues are promptly reported to supervisor.

7.Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and Physical Security and also updates daily procedures as processes change.

Knowledge and Skills

Experience2-3 years of Mortgage Loan Servicing experience required.

EducationA high school education or GED; a two year degree or completion of a specialized course study is desired.

Interpersonal SkillsWork involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other SkillsAbility to read, write, comprehend, and speak English clearly.

Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends.

Must adhere to safety rules and regulations

Physical RequirementsLight or low amount of physical exertion to include filing and archiving boxes of documentation. May involve lifting of boxes up to 20 lbs.

Work EnvironmentThe position is based in-office in our Pensacola, FL market, operates primarily in an office setting, and routinely uses standard office equipment such as computers, printers, and phones. This position requires consistent presence in the office to effectively collaborate with team members and fulfill job responsibilities. It requires the ability to actively participate in conference calls and meetings with other Credit Union team members and vendors. The normal expected work schedule is Monday through Friday, 8:00a.m. to 5:00p.m. Occasional after-hours work or travel may be required to meet project deadlines or attend conferences, seminars, or client meetings. Must adhere to safety rules and regulations.

Gulf Winds is an Equal Opportunity Employer and Drug Free Workplace