Senior Mortgage Servicing Specialist

Radiant Credit Union; Gainesville (FL); On-site; USD 55,000 - 85,000; Full time

Job summary

Radiant Credit Union in Gainesville, FL seeks a Senior Loan Servicer to support complex loan servicing and ensure accurate, compliant administration of consumer and real estate portfolios. Responsibilities include funding indirect consumer loans and direct real estate loans, maintaining loan accounts, resolving payment issues, and administering escrow.

You will coordinate lien perfection, monitor collateral, oversee PMI, tax and insurance, process daily transactions, and support cross-department

Qualifications

• Three to five years of similar or related experience.
• A two-year college degree or commensurate work experience.
• Mortgage loan or related experience required. Must have good communication skills. Ten key calculator, typewriter and keyboard skills. An advanced working knowledge of Microsoft Excel and Word. Time management and organization skills are critical.

Responsibilities

• Coordinates lien perfection, title processing, and resolution of outstanding title issues for all types of collateral. Maintains required documentation and records UCC filings for non-titled vehicles in accordance with credit union policies and applicable requirements.
• Reviews construction loan draw requests, verifies project progress against approved budgets and loan terms, coordinates inspections, monitors construction costs, and identifies and communicates potential risks or discrepancies.
• Monitors and resolves collateral insurance coverage issues, coordinates placement and removal of collateral protection insurance, processes related loan and general ledger adjustments, and verifies third-party collateral protection insurance, GAP, and warranty billing.
• Administers first mortgage and HELOC servicing activities, including escrow management, PMI monitoring, credit reporting, monthly statements, delinquency notices, renewal letters, and adjustable-rate change notifications, ensuring compliance with applicable regulations, investor guidelines, and internal procedures.
• Processes daily loan transactions, reviews payment reports, prepares payoff quotes, and researches and corrects payment discrepancies.
• Coordinates funding for indirect consumer and direct real estate loans, verifies required documentation, and completes real estate post-closing reviews, including verification of recorded mortgages and final title policies.
• Reviews and prepares letters of guarantee for insurance total-loss claims to facilitate claim processing and ensure the credit union’s lien interests are protected.
• Processes loan servicing requests submitted by members or internal staff in accordance with established policies and procedures.
• Monitors non-escrowed real estate loans for property tax and insurance requirements and coordinates force-placed tax payments and collateral protection insurance as needed.
• Performs other related duties as assigned.

Skills

Mortgage loan experience

Advanced Excel

Time management

Communication skills

Diplomacy and discretion

Education

Two-year college degree or commensurate work experience

Tools

Microsoft Excel

Microsoft Word

Ten-key calculator

Job description

Radiant Credit Union in Gainesville, FL seeks a Senior Loan Servicer to support complex loan servicing and ensure accurate, compliant administration of consumer and real estate portfolios. Responsibilities include funding indirect consumer loans and direct real estate loans, maintaining loan accounts, resolving payment issues, and administering escrow.

You will coordinate lien perfection, monitor collateral, oversee PMI, tax and insurance, process daily transactions, and support cross-department