Mortgage Servicing Specialist

FIRST COMMUNITY BANK (SC); South Carolina; On-site; USD 40,000 - 54,000; Full time

Job summary

FIRST COMMUNITY BANK (SC) is seeking an interim servicing specialist to manage residential loan servicing tasks, including setup, pay-off processing, and account reconciliations. The role emphasizes accurate data transfer between origination and servicing systems, timely posting of payments, and adherence to compliance standards.

Ideal candidates will have at least 2 years in mortgage servicing or related financial services, strong attention to detail, and proficiency with MS Office.

Qualifications

• High school diploma or equivalent required; Associate's or Bachelor's degree in Business, Finance, Accounting, or a related field preferred.
• Minimum of 2 years of experience in mortgage servicing, mortgage operations, loan processing, banking operations, or a related financial services role.
• Experience with mortgage servicing systems and loan origination systems preferred.

Responsibilities

• Board mortgage loans to the servicing system accurately and timely upon receipt of completed loan closing packages.
• Verify the accurate transfer of loan fees, terms, and related data from the loan origination system to the servicing system and general ledger.
• Monitor and track receipt of initial mortgage payments for loans serviced by the Bank.
• Process loan payoffs in the servicing system upon receipt and reconciliation of investor purchase advices.
• Perform daily monitoring, balancing, and reconciliation of assigned general ledger accounts and designated demand deposit accounts (DDA).
• Research and resolve account variances within established timelines and compliance standards.
• Provide exceptional customer service and support to both secondary market and portfolio mortgage customers.
• Conduct collection activities, including contacting customers with delinquent mortgage payments to discuss repayment options and account status.
• Develop, document, and maintain department procedures to ensure compliance, consistency, and operational efficiency.
• Cross-train with team members and provide backup support to ensure business continuity and coverage of critical functions.

Skills

Mortgage servicing practices

General ledger balancing

Account reconciliation

Attention to detail

Analytical and problem solving

Customer service

Communication

Time management

Education

High school diploma or equivalent

Associate's or Bachelor's degree preferred

Tools

Mortgage servicing systems

Loan origination systems

Microsoft Office (Excel, Word, Outlook)

Job description

Position Summary

This position will beresponsible for the interim servicing of the residential loans sold on thesecondary market. Responsibilities include performing duties of loan set-up,loan pay-off, account reconciliations, customer service and past-duecollections.

Essential Duties and Responsibilities

(Other duties may be assigned.)

• Board mortgage loans to the servicing system accurately and timelyupon receipt of completed loan closing packages.
• Verify the accurate transfer of loan fees, terms, and related datafrom the loan origination system to the servicing system and generalledger.
• Monitor and track receipt of initial mortgage payments for loansserviced by the Bank.
• Process loan payoffs in the servicing system upon receipt andreconciliation of investor purchase advices.
• Perform daily monitoring, balancing, and reconciliation ofassigned general ledger accounts and designated demand deposit accounts(DDA).
• Research and resolve account variances within establishedtimelines and compliance standards.
• Provide exceptional customer service and support to both secondarymarket and portfolio mortgage customers.
• Conduct collection activities, including contacting customers withdelinquent mortgage payments to discuss repayment options and accountstatus.
• Develop, document, and maintain department procedures to ensurecompliance, consistency, and operational efficiency.
• Cross-train with team members and provide backup support to ensurebusiness continuity and coverage of critical functions.

Qualifications

Education &Experience

• High school diploma or equivalent required;Associate's or Bachelor's degree in Business, Finance, Accounting, or arelated field preferred.
• Minimum of 2 years of experience in mortgageservicing, mortgage operations, loan processing, banking operations, or arelated financial services role.
• Experience with mortgage servicing systems andloan origination systems preferred.

Knowledge & Skills

• Working knowledge of mortgage servicingpractices, investor loan purchases, payment processing, and collections.
• Understanding of general ledger balancing,account reconciliation, and basic accounting principles.
• Strong attention to detail with a high level ofaccuracy in data entry, balancing, and transaction processing.
• Excellent analytical and problem-solving skillswith the ability to research and resolve discrepancies in a timely manner.
• Strong customer service and interpersonal skills,with the ability to communicate professionally with customers and internalstakeholders.
• Ability to prioritize multiple tasks, meetdeadlines, and work effectively in a fast-paced environment.
• Proficient in Microsoft Office applications,including Excel, Word, and Outlook.
• Strong written communication skills with theability to create and maintain procedures and documentation.
• Ability to work independently and collaborativelyas part of a team.
• Demonstrated commitment to confidentiality,compliance, and operational risk management.

Other Requirements

• Ability to cross-train on departmental functionsand provide backup support as needed.
• Willingness to adapt to changing priorities andoperational needs.
• Regular and reliable attendance.