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Mortgage Servicing Representative
TCF Bank
Plymouth, MN, United States
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TCF Bank is seeking a dynamic Mortgage Service Representative to join our team! Competitive pay, a comprehensive benefits plan, and opportunities for career advancement make this a career opportunity you won't want to miss. Plus, we offer an inclusive team-oriented work environment with the support you need to succeed. Join our team and experience the difference!
The role as Mortgage Service Representative will be responsible for accurately performing critical business processes including, but not limited to: account updates, document preparation, correction phone calls, and file reviews. Perform a broad range of loan servicing functions ranging from simple balance inquires to moderately complex issues including, but not limited to: loan level account updates, outbound call handling, document retrieval/preparation, and post close file reviews in accordance with regulatory requirements (e.g., policy and regulatory compliance, quality, and quantity targets.)
• Process Delivery: Perform key business processes quickly, accurately, and completely. Meet all internal standards and Policy and Procedure requirements including quality, quantity, and timeliness of work product. Processes include, but are not limited to:
• Collateral management- Ensure accuracy of Security Instruments, document scanning/indexing, document preparation
• Specialty processes - Assist with preparing Government required reporting and analysis
• Loan Sales support - Collateral and file preparation/ research
• Account maintenance/research - Perform research and account updates to meet contractual, customer and/or regulatory requirements
• Goal orientation, teamwork, and flexibility: Driven by metrics and results, complete assigned individual, team, and overall business goals. Willingly assists other teams/team members to meet TCF’s overall business objectives. This includes, but is not limited to: Assisting with loan sales, and contributing to other time-sensitive, mission-critical projects.
• Research, Analysis, and Problem Solving: Log complex loan servicing issues for prompt follow-up and independently research, analyze, and resolve simple to moderately complex issues (e.g., document issues, clouded title issues) using self-service tools such as online policy and procedure manuals. When needed, escalate items to more senior representatives for assistance in resolving the issue.
• Policy and Regulatory Expertise: Demonstrate the ability to comprehend and apply bank policies and procedures in the work environment by quickly mastering all applicable internal policies and procedures as well as Local, State, and Federal (e.g. OCC, CFPB) regulatory requirements.
• Product and Service Expertise: Strive to learn products and services with the goal to become knowledgeable on a broad array of Mortgage and Home Equity products, services (e.g. Escrow, Command Protection), and processes (e.g. payment allocation, amortization schedules). Some escalation to more experienced team members may be required.
• Communication: Communicate effectively by phone, written, or electronic means with internal customers and key external stakeholders (e.g., vendors, mortgage brokers, title companies, consumers), as needed to effectively perform servicing processes and resolve issues.
• Continuous improvement: Identify systematic issues and process / quality improvement opportunities, and proactively bring these items to management’s attention.
• Multi-tasking: Prioritize daily tasks and seek assistance as needed from others or Manager to address demands to ensure established quality and production targets are met.
Qualifications
Education
Required:
• High School Diploma or GED equivalent
Preferred:
• Post-HS education
Work Experience/Skills:
Required:
• 1 year of work experience in Financial Services Operations function (e.g., Auto or Mortgage Servicing, Insurance Claims/Underwriting, etc.), Law Office, or retail banking sales role, or similar highly-regulated and process-driven work environment
• Good interpersonal skills and professionalism to represent the Bank to customers
• Proven ability to perform highly-detailed, complex tasks with speed and accuracy
• Keyboarding and 10-key skills
• Strong problem-solving, analytic, and research skills
• Proficient with basic PC skills including use of spreadsheets and word processing programs
• Ability to understand and utilize basic mathematical skills and concepts
Preferred:
• 1 year experience working in Mortgage Servicing or related role
• Knowledge of Mortgage industry terminology, documentation, and standards (e.g., 1003 Form, RESPA, TILA, etc.)
• Fluency in a foreign language (e.g., Spanish)
Physical Demands/Working Conditions:
• Ability to work a flexible schedule, including overtime, evenings, and weekends when required to meet business needs
• Ability to lift 45 pounds as required (example: loading and unloading bankers’ box containing loan documentation
About TCF
TCF is affiliated with TCF Financial Corporation, a financial holding corporation based in Minnesota. We have banking offices in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota. Our goal is to be the most convenient bank in the markets we serve. We are looking for employees who value honesty, integrity, ethical behavior, and putting The Customer First. If you have those traits, we invite you to apply at TCF.
Benefits
TCF encourages open employee communications and promotes from within whenever possible.
We offer competitive pay, a comprehensive benefits plan, and opportunities for career advancement. For more details on our benefits, click on the Employee Benefits link on our career page.
Proud to be an equal opportunity employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, or other status protected by applicable law. TCF is proud to be an affirmative action/equal opportunity employer. Minority/Female/Disabled/Veteran