<p>Description</p> <p>At Pathfinder Bank, you're not just starting a job, you're starting a journey with a team that genuinely cares. We believe in building relationships, growing talent from within, and serving the communities we call home.</p> <p>If you're looking for a supportive environment, opportunities to learn, and a chance to be part of something meaningful, this could be the perfect place for you.</p> <p>Summary/Objectives</p> <p>Fosters a positive and professional customer service experience during all interactions with customers, co-workers and third party relationships while adhering to proper customer identification procedures and confidentiality requirements. As part of the Loan Operations Team, this position is responsible for loan account creation and maintenance activities on the Bank's core processing system. This role supports all loan operations functions, including but not limited to daily servicing responsibilities, functions related to Escrow (Insurance and Taxes), including escrow analysis, and external reporting to various business partners, including investor reporting and loan participants. Cooperates with other members of the department to achieve departmental goals.</p> <p>Essential Functions</p> <ul> <li>Setup new loans on the core processing system within two business days of funding and transfer ownership of existing loans to investors after a loan is sold to the secondary market. Perform file maintenance on existing accounts with accuracy, on a daily basis, as needed. </li><li>Assists Loan Servicing Specialists with detailed research and problem solving on in depth loan related, customer service concerns in order to resolve the issue and document the steps taken to reach the conclusion. Will communicate results to Loan Servicing Specialists so they may pass information on the requestor or may assist Loan Servicing when delivering clarification or resolution, as necessary. </li><li>Accurately complete all necessary monetary and file maintenance transactions resulting from conversion of loans, in process to permanent financing loans, modification to loan terms, audit and compliance reviews, etc., or loan payments received-including commercial participation loans. </li><li>Maintain all escrow accounts, tracking, and analysis processes including all escrowed/non-escrowed taxes and insurance as specified in procedures for hazard, flood, private mortgage insurance, and taxes. </li><li>Review, maintain, and process the Bank's portfolio of loans sold to the secondary market in order to follow the Bank's contract with secondary markets. </li><li>Assist in perfecting liens on new loans, maintain collateral on existing loans, review collateral expiration reports monthly, renew filings that are due to expire as required. Complete all necessary processes for paid off loans, including preparation of releases upon loan satisfactions on such items as UCC filings, liens, mortgages, and all other forms of terminations/releases as needed. </li><li>Assist Loss Mitigation/Collections with transactions related to Special Delinquency customers, including payments, escrow restructuring, deferments, Special Delinquency reporting, charge-off processing, and loan information support. </li><li>Preparation of various Board and Management level reports, as well as others. </li><li>Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, meet all job-specific training requirements in a timely fashion. </li></ul> <p>Requirements</p> <ul> <li>High school diploma or equivalent, with 2-5 years relevant business or banking experience </li><li>Ability to multitask, prioritize, and meet deadlines in a fast paced environment </li><li>Intermediate computer skills, including proficiency in Microsoft Office Suites </li><li>Strong communication skills, both oral and written </li><li>Excellent internal and external customer service skills </li><li>Strong administrative and organizational skills </li><li>Detail oriented, resulting in quality work output </li><li>Strong mathematical skills including an understanding of loan related credit/debit transactions involving advances, interest calculations and fees required; and/or accounting background </li><li>Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists </li><li>Ability to interpret a variety of instructions furnished in a written, oral, diagram, or schedule form </li><li>Demonstrate willingness to learn department skill sets, including product knowledge and compliance </li><li>Applicants must be willing to perform all necessary job functions and uphold all customer confidentiality </li></ul>