Job Description

The Investor Reporting and Mortgage Loan Servicing Specialist ensures all incoming and outgoing investor remittances reports and funds are complete and accurate. This position processes all investor transfers which includes wholly sold loans and participations. The incumbent confirms the successful boarding of new loans to the core operating systems and processes mortgage loan modifications.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Complete and review investor loan servicing transfers of sold loans.
• Review and submit daily and monthly outgoing payment remittance reports and funds for investor loans serviced in-house.
• Ensure funds for investor payments are balanced and wired in a timely manner.
• Process the incoming monthly payment remittance for portfolio loans serviced by third parties.
• Review activity on investor portfolio to ensure all remittance requirements pertaining to specific investors are met.
• Respond to investor inquiries and perform research.
• Maintain various index rate tables.
• Perform system review for new consumer lending products and update to loan origination system.
• Research, understand and ensure compliance with servicing agreements and regulatory guides.
• Resolve all posting errors and provide updated investor reporting based on specific investor requirements and submit corrections in a timely manner.
• Ensure the successful boarding of all new loans into the core operating system and processes any related internal payoffs or curtailments.
• Produce, review, and process loan modifications.
• Monitor Home Equity Line of Credit portfolio for maturing loans.
• Monitor ARM queue and corresponding reports for accuracy and timely notifications to borrowers.
• Help to serve customers with inquiries related to the general servicing of their loan which might include, but is not limited to, payment processing, history interpretation, year-end reporting, lien and title releases, address changes, fraud inquiries, billing questions, insurance/claims, draft/debit card processing, quoting loan payoffs, etc.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations and laws
• Complete all mandatory annual compliance training
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent or money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned.

Job Requirements

Education:

• High School Diploma or equivalent.

Required:

• Proficient computer skills and the ability to utilize MS Office applications.
• Previous data entry and customer service experience.
• 3+ years previous mortgage loan servicing experience.
• Ability to follow written policies and procedures to ensure operational efficiency and regulatory compliance.
• Ability to manage multiple tasks in a fast-paced environment to meet all designated deadlines.
• Strong oral and written communication skills.
• Exceptional attention to detail.
• Ability to self-motivate and work independently.
• Ability to work well in a team environment.

Preferred:

• Previous real estate insurance and property tax experience.
• Previous investor reporting experience.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.