Cardinal Credit Union was selected by The Cleveland Plain Dealer as a Top Work Places and one of the Best Workplaces in Ohio.
Cardinal strives to create a culture supporting ideas and innovation, and offers various opportunities for both personal growth and professional development.Role:
our Mortgage Lending Servicer is responsible for providing mortgage servicing support. Duties include, but are not limited to: performing administrative tasks to support the Mortgage Lending Team, assisting members with mortgage questions, loan research, processing mortgage payments and payoffs, preparing mortgage releases, disbursing real estate taxes and insurance, completing escrow analysis, HMDA processing, accounts payable/receivable. Monitor and track borrowers' evidence of insurance to ensure compliance with loan document requirements. Serves as a back-up to other functions, or projects, within the Mortgage Lending Department. Provides general Credit Union information and actively participates in Cardinal's Superior Sales & Service Program.Major Duties and Responsibilities
Responsible for Fannie Mae full servicing, uploading documents, and reports for servicing related items. Reviews daily balancing for proper and accurate daily postings. Processes payments from tellers including loan payoffs and adjustments and processes mail payments. Reconciles closed loans and resolves errors including incorrect payments, escrows, secondary marketing, and closing mistakes. Researches and resolves funding errors. Prepares miscellaneous correspondence and records.
Our Mortgage Lending Servicer assumes responsibility for establishing and maintaining professional business relationships with members and mortgage professionals. Resolves (or refers) requests and problems promptly and courteously. Answers member loan questions regarding applications in the process of approval, payments, balances, and insurance requirements. Keeps members and realtors properly informed of Credit Union policies and procedures. Notifies members of additional information required. Maintains and conveys the Credit Union's professional reputation.
Assumes responsibility for establishing and maintaining effective coordination and communication with Credit Union personnel and with management. Assists and supports Mortgage Loan personnel as needed. Completes reports and records promptly and accurately. Attends meetings as required. Keeps management informed of area activities and of any significant problems.
Assumes responsibility for related duties as required or assigned. Performs miscellaneous clerical functions as needed. Keeps work area clean, secure, and well maintained. Replaces absent Mortgage Loan personnel as required. Actively participates in Cardinal's Superior Sales & Service Program. Meets MR Goals.Expectations
- To produce loan documents, reports, and new accounts in a timely fashion, with zero errors.
- To assist Mortgage Lending associates in organizing and completing mortgage files within the prescribed time frame to close loan.
- To maintain a professional, courteous, and friendly atmosphere for members and co-workers.
- To maintain working knowledge of all mortgage products and rates, both within the credit union and from the industry overall.
- To return all call within 24 hours of receipt.
- To provide informed, accurate professional service to members and Credit Union associates.
Medical, prescription, dental, vision
Life and long term disability Insurance, employer paid
Generous 401(k) plan
Paid time off and holidays
Tuition reimbursement to help foster career development.
Considerable and substantive internal training on a myriad of banking subjects, member service, professionalism, and best industry practices.
Cardinal Credit Union is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment.
We are a non-smoking work environment.
Requirements: Knowledge and Skills
Experience: Six months to two years of similar or related experience. Previous Fannie Mae Servicing preferred.
Education: A high school education some college preferred.
Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving or obtaining information which may require some discussion.