Loan Service Representative at Capitol Federal Savings Bank in Topeka, Kansas

Job Description:

Works with the Director of Loan Servicing, Assistant Director of Loan Servicing, Loan Servicing Regional Managers, Loss Mitigation Manager, and Loan Insurance Manager in executing the Bank’s mortgage loan servicing activities in accordance with established servicing objectives and philosophies. Duties include, but are not limited to, activities involving property and flood and private mortgage and credit insurance, real estate taxes, pre-authorized payment transfers, on-line payments, ARM adjustments, credit reporting, escrow accounts, loan endorsements, collections, loan payoffs, lien releases, and loan foreclosure.

Schedule:  Monday-Friday 8:00 a.m. - 5:00 p.m.

Major Duties and Responsibilities  

• Processes and remits payments of property insurance, flood insurance, private mortgage insurance, and credit insurance. Processes and remits payments of real estate taxes. Validates loan data for accuracy and completeness. Processes insurance claim checks. Researches delinquent tax situations.


• Responds to inquiries from other department employees and customers. Researches escrow, ARM adjustment, credit reporting, IRS reporting, and other servicing situations and completes corrections as appropriate.


• Processes foreclosure and OREO activities. Completes reporting for internal and external purposes. Processes payments of legal and other expenses.


• Establishes, maintains, and terminates pre-authorized transfer records. Researches and corrects misapplied loan payments. Researches on-line payment issues. Processes returned payment items. Monitors unapplied funds activity and completes payments as appropriate.


• Completes payoff quotes in response to internal and external requests. Processes lien releases for paid-off loans.


• Processes loan endorsements, and researches and documents address changes.


• Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources. Must comply with current applicable laws, regulations and bank policies and procedures.


• Participate in proactive team efforts to achieve departmental and company goals. Must be capable of regular, reliable and timely attendance. Perform other duties as assigned.

Requirements

• A minimum of one year up to three years of similar or related experience, including preparatory experience.


• A high school degree or equivalent


• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and frequent lifting of up to 10 lbs, with occasional lifting of up to 20 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Travel is necessary for training purposes only. A valid driver’s license is required.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Acknowledgement

Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time. 

Capitol Federal Savings Bank is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, sex/gender, national origin, disability, age, or any other category protected by law. 

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