Loan Servicing Representative I

Align Credit Union
Lowell, MA

Job Description

Job Description

Role:

Process and perform loan functions to ensure the accuracy of the data necessary to properly service mortgages and consumer loans and any other new products as they are made available to our borrowers. This position ensures that all loan servicing requirements are met as specified by the secondary market and regulatory agencies.

Essential Functions & Responsibilities:

Perform mortgage and HELOC funding.

Process disbursements for all taxes, PMI, flood insurance, force placed insurance and condo fees. This includes monitoring and/or pay delinquent real estate taxes and water/sewer liens for escrowed and non-escrowed.

Work with the Hazard/Flood Insurance Tracking Company to obtain policies and ensure timely and accurate letter cycles. Review reports from the tracking company. Run and upload loan reports to the FTP site.

Process paid loan documentation for mortgage and consumer loans. This includes preparing and delivering all mortgages and discharges to the appropriate registries for recording.

Process daily mail and payments in a timely manner with a high level of accuracy.

Perform Annual Escrow Analysis.

Organize and maintain automobile title documentation.

Monitor all flood insurance escrowed and non-escrowed. Update and track changes in flood plains. Determine required coverage amounts and force place as needed.

Perform manual calculation and send notices for simple interest Adjustable-Rate Mortgages.

Prepare, package and deliver loans to the secondary market investors. Deliver loans to the Mass Housing Finance Agency (MHFA)

Preparation of disability, life and gap claims as well as monthly premium reports for CUNA Mutual.

Other duties as assigned

Knowledge and Skills:

One year to three years of similar or related experience.
A high school education or GED.
High attention to detail and accuracy handling data
Excellent time management skills
Excellent oral and written communication
Exceptional member service skills
Ability to adapt in a growing/changing environment
Self-motivated to work independently and problem solve with minimal supervision
Experience with Word, Excel, Outlook and other Microsoft products.

Posted 2025-07-23

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