Job Opportunities API

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence. Major Duties and Responsibilities: • Uphold SmartBank Core Values and Core Purpose. • Adhere to and embrace the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Mortgage Loan Boarding & Servicing • Board new mortgage loans, modifications, and maintenance transactions into the bank's core servicing system. • Post client payments, payoffs and online transactions (OTE) daily. • Review posted transactions and daily loan activity to ensure accuracy. • Reconcile and balance servicing-related general ledger accounts. • Maintain daily servicing records and monitor loan maintenance activities. • Prepare payoff quotes and process paid-in-full loan transactions Loan File Management & Documentation • Prepare loan files for imaging and maintain electronic and physical loan records. • Maintain collateral files and track outstanding documentation. • Coordinate loan document retention, archiving, and file security procedures. Secondary Market & Post-Closing Support • Serve as a primary support resource for loans sold into the secondary market. • Record sold loan transactions in applicable systems. • Register secondary market loans with MERS. • Issue client servicing transfer notifications • Coordinate with Mortgage Loan Post-Closing staff to facilitate timely investor delivery of loan documents. Customer and Internal Support • Research and resolve customer inquiries related to mortgage servicing activities. • Handle credit bureau dispute investigations and corrections. • Prepare and distribute borrower notices, including billing, maturity, rate change, delinquency, and other required communications. • Provide support for department projects and special assignments. Compliance & Risk Management • Maintain confidentiality of customer and company information. • Adhere to all SmartBank policies, procedures, and core values. • Comply with all federal, state, local, investor, and agency regulations, including Bank Secrecy Act requirements. • Participate in ongoing regulatory, servicing, and compliance training. • Maintain a high level of quality, accuracy, and operational integrity. Position Requirements and Qualifications Education and Experience • High school diploma or equivalent required. • Three or more years of mortgage servicing, mortgage operations, loan administration, post-closing, or related banking experience preferred. • Mortgage servicing or post-closing experience preferred. Knowledge, Skills, and Abilities • Working knowledge of mortgage servicing regulations and practices, including portfolio and secondary market loans, escrow administration, PMI, force-placed insurance, and investor reporting. • Strong attention to detail with excellent organizational and documentation skills. • Ability to prioritize multiple responsibilities and meet deadlines in a fast-paced environment. • Strong analytical, problem-solving, and decision-making abilities. • Excellent verbal and written communication skills. • Proficiency in Microsoft Office applications, mortgage origination systems, servicing platforms, and related technology. • Ability to handle confidential information appropriately. • Demonstrated commitment to customer service and teamwork. • Self-motivated with the ability to work independently while supporting team objectives. Training Requirements • Ongoing regulatory, compliance, investor, and mortgage servicing training as required.  (WorkDay and KnowB4) Work Conditions • Ability to sit for extended periods of time. • Frequent use of computers and office equipment requiring repetitive hand and finger movements. • Ability to review and process detailed documentation with a high degree of accuracy. • Ability to work under deadlines and manage fluctuating workloads. • May be required to travel periodically for training, meetings, or branch support. • Occasional overtime may be required to meet operational and investor deadlines.