Real Estate Servicing Specialist I

_Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for more 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in south east Michigan, over 450 team members, 150,000 members, $4 billion in assets, and a 97% member satisfaction rating for two decades. _ We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. Our dedication to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press twelve years in a row.

If you have a passion for helping people and providing exceptional and dependable service, we want you on our team!

Overview of Responsibilities : Delivers the desired member loan servicing experience by providing high quality service by telephone, e-mail, and fax, including using active listening to identify and address / resolve member needs and resolve member inquiries.

Essential Duties and Responsibilities :

• Ensures member satisfaction by responding to non-complex loan servicing questions received in the Servicing call queue and internal ticketing system, such as waiving late fees, payoff quotes, and processing payoffs, in a timely and accurate manner. Effectively listens for cues and reviews account data to determine the nature and extent of members’ needs, resolve problems, and escalate as needed.
• Escalates complex items to the Servicing Specialist II, Servicing Specialist III, or Servicing Manager along with relevant supporting documentation.
• Advises members on lending servicing process, ensuring compliance with regulatory requirements.
• Processes simple mortgage and home equity payments, property taxes, and other escrow payments
• Prepares and processes mortgage discharges on paid in full loans for approval, signoff, and recording. Follows up by mailing recorded documents to member.
• Assists with administrative functions and lending projects i.e., tracking and records documentation review, file organization, etc
• Uses servicing software to track insurance policies to ensure adequate coverage for hazard, Private Mortgage Insurance (PMI), flood insurance, and others as required.
• Keeps all escrowed account information current in mortgage servicing software.
• Understands and follows MSGCU policies, procedures, and guidelines. Completes duties within area of responsibility with a high level of accountability to ensure compliance with MSGCU and regulatory requirements.

Essential Knowledge, Skills, and Abilities :

Essential Preparation and Experience :

Working Conditions :

§ Office and branch location environment with little discomfort from noise, extreme temperature, dust or other factors.

§ Occasionally required to travel throughout MSGCU's service area as business needs require.

§ Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.

§ This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and / or moving up to 10 pounds.

Compensation and Benefits :

Competitive salaries are just the starting point for MSGCU team members. Generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job.

Required Skills

Required Experience