Emily Carter

Columbus, OH

(614) 555-2847

emily.carter@email.com

linkedin.com/in/emilycarter

SUMMARY 

Results-driven Loan Servicing Specialist with 2+ years of experience in loan processing, escrow administration, and regulatory compliance within the banking industry. Proven record of achieving 99% data accuracy while supporting portfolios exceeding 800 accounts. Expertise in payment reconciliation and collateral tracking to optimize servicing workflows, mitigate compliance risk, and drive measurable business outcomes.

SKILLS 

Loan Payment Processing

Escrow Administration

Regulatory Compliance

Collateral Tracking

Core Banking Systems

Customer Account Resolution

HMDA Reporting

Document Imaging Systems

EXPERIENCE 

Loan Servicing Specialist

Riverstone Community Bank, Columbus, OH

June 2023 – Present

• Process 75+ daily loan transactions including payments, payoffs, and ACH setups, achieving 99% posting accuracy and reducing reconciliation discrepancies 22%.
• Review newly boarded loans using QC checklists, identifying documentation gaps and improving booking accuracy across 600+ active accounts.
• Monitor escrow and insurance records, resolving 40+ monthly exceptions and strengthening compliance with federal and investor guidelines.
• Respond to borrower and internal inquiries, resolving 85% of cases within 24 hours and improving service turnaround time 18%.

Loan Operations Intern

Midwest Financial Credit Union, Dayton, OH

May 2022 – May 2023

• Assisted with post-closing audits on 300+ consumer loans, improving documentation completeness rates to 97%.
• Reconciled daily lockbox payments totaling $1.2M monthly, ensuring balanced accounts within required timeframes.
• Updated collateral tracking systems and verified lien recordings, preventing delays in 50+ secured transactions.

EDUCATION 

Bachelor of Science in Finance

The Ohio State University, Columbus, OH

Michael Reynolds

Charlotte, NC

(704) 555-9213

michael.reynolds@email.com

linkedin.com/in/michaelreynolds

SUMMARY 

Results-driven Loan Servicing Specialist with 5+ years of experience in commercial loan servicing, investor reporting, and collateral perfection within regional banking environments. Proven record of reducing servicing discrepancies 28% while supporting portfolios exceeding $250M. Expertise in custodial account reconciliation and compliance monitoring to optimize financial controls, mitigate regulatory exposure, and drive measurable business outcomes.

SKILLS 

Commercial Loan Servicing

Investor Reporting

Custodial Reconciliation

Lien Perfection

SBA Loan Administration

Servicing Transfers

Exception Resolution

Core System Administration

EXPERIENCE 

Loan Servicing Specialist

Atlantic Regional Bank, Charlotte, NC

March 2021 – Present

• Reconcile investor and custodial accounts totaling $250M in assets, resolving variances within 24-hour cycles and achieving 99.8% financial accuracy.
• Process 1502 SBA reports and remit guaranteed fees, maintaining zero late submissions across 36 consecutive reporting periods.
• Perfect liens through UCC filings and deed recordings across multi-state jurisdictions, securing 300+ commercial credits annually.
• Analyze transaction exception reports, clearing 95% of suspense items within two business days and strengthening internal control metrics.

Loan Operations Analyst

Heritage Lending Group, Raleigh, NC

January 2019 – February 2021

• Conducted post-closing audits on commercial and consumer loans, reducing documentation errors 31% within one year.
• Managed servicing transfers involving 120+ loans per quarter, ensuring timely fund settlement and regulatory adherence.
• Processed loan modifications and rate changes, improving system data accuracy to 98.7% across adjustable portfolios.

EDUCATION 

Bachelor of Business Administration

University of North Carolina at Charlotte, Charlotte, NC

Danielle Thompson

Dallas, TX

(972) 555-4482

danielle.thompson@email.com

linkedin.com/in/daniellethompson

SUMMARY 

Results-driven Loan Servicing Specialist with 10+ years of experience in portfolio administration, secondary market servicing, and regulatory compliance within multi-state financial institutions. Proven record of improving operational efficiency 32% while managing portfolios exceeding $600M in assets. Expertise in investor reconciliation and risk mitigation to optimize servicing operations, reduce compliance exposure, and drive measurable business outcomes.

SKILLS 

Portfolio Management

Secondary Market Reporting

SBA Servicing Compliance

Custodial Account Oversight

Foreclosure Administration

Bankruptcy Case Monitoring

Regulatory Audit Preparation

Collateral Risk Management

EXPERIENCE 

Loan Servicing Specialist

Horizon National Bank, Dallas, TX

April 2017 – Present

• Oversee servicing operations for a $600M multi-product portfolio, enhancing processing efficiency 32% through workflow redesign and strengthened internal controls.
• Direct investor and agency reporting across FNMA, FHLMC, and SBA programs, maintaining 100% on-time submission across five consecutive years.
• Supervise custodial reconciliations exceeding $45M monthly, eliminating aged variances and achieving 99.9% ledger accuracy.
• Coordinate foreclosure and bankruptcy case management for 80+ active matters annually, reducing legal cycle time 21% and improving recovery timelines.

Loan Servicing Specialist

Keystone Financial Bank, Fort Worth, TX

February 2013 – March 2017

• Managed servicing transfers for 200+ loans per quarter, ensuring seamless fund settlement and regulatory compliance during portfolio acquisitions.
• Implemented enhanced QC protocols, decreasing documentation deficiencies 35% and strengthening audit performance ratings.
• Administered escrow and insurance monitoring for 1,000+ secured accounts, minimizing uninsured exposure and lowering compliance findings year-over-year.

EDUCATION 

Bachelor of Science in Finance

Texas Tech University, Lubbock, TX

• Coordinate loan funding and system boarding across Commercial and Residential Lending groups within a regional banking platform, ensuring accurate setup and preventing downstream servicing disruptions.
• Streamline onboarding workflows with Quality Control partners across multi-branch operations, eliminating process waste and reducing booking exceptions by 18% through structured error root-cause remediation.
• Administer complex payoff processing, including partial releases and large collateral pools spanning diverse property types, safeguarding lien accuracy and accelerating discharge timelines for high-value transactions.
• Oversee enterprise tax escrow and surveillance program across residential and commercial portfolios exceeding 2,000 accounts, resolving shortages, executing remittances, and mitigating regulatory exposure through authority liaison.
• Execute construction disbursements for the Commercial Lending Group supporting multimillion-dollar projects, maintaining escrow integrity and ensuring timely draws aligned with contractual milestones and risk controls.
• Safeguard portfolio data integrity, including HMDA and performance datasets used in internal modeling and board reporting, enhancing reporting reliability while mentoring staff to elevate operational proficiency.

Core Skills:

• Loan Servicing Operations
• Tax Escrow Administration
• Construction Loan Disbursement
• Regulatory Data Compliance
• Collateral Release Processing
• Core Banking Systems

• Translate complex commercial, consumer, and mortgage agreements into the Jack Henry platform across a multi-portfolio banking environment, accurately recording CIF, AFT, and FASB 91 data to preserve system-of-record integrity.
• Administer file maintenance for extensions and modifications spanning three lending verticals, recalculating accruals and billing adjustments to ensure precise revenue recognition and contractual compliance.
• Resolve documentation discrepancies in partnership with lenders, CBAs, and administrative teams across regional operations, expediting issue clearance and preventing downstream booking and funding delays.
• Manage high-volume servicing inquiries through a centralized hunt group supporting internal departments and external clients, delivering timely, compliant information while safeguarding confidential financial data.
• Direct document intake, imaging, and vault coordination within the Synergy system, meeting 100% of month-end critical input deadlines and strengthening traceability across hundreds of active and archived records.
• Validate system entries against source documentation, support daily settlements and remittances exceeding 50 transactions per cycle, and uphold adherence to banking regulations and institutional Code standards.

Core Skills:

• Jack Henry Platform
• FASB 91 Accounting
• CIF Data Management
• Synergy Imaging System
• Loan Settlements
• Regulatory Compliance

• Process and scan monthly payments across a diversified servicing portfolio, reconciling transactions and posting investor remittances to sustain accurate cash application and ledger integrity.
• Analyze daily delinquency reports spanning commercial and consumer accounts, coordinating with loan officers prior to notice issuance to contain risk exposure and protect borrower relationships.
• Investigate past-due accounts through TMO system research and direct outreach, documenting all correspondence and tracking repayment commitments to reduce aged receivables within 30-day cycles.
• Generate compliant delinquency communications across multiple channels, issuing letters and email notices that reinforce regulatory standards and strengthen portfolio-level collection performance.
• Monitor property fire insurance coverage for collateralized assets across the lending platform, tracking notifications and verifying required policies to mitigate uninsured risk exposure.
• Escalate complex servicing exceptions to management while responding to borrower and investor inquiries, preserving transparent communication and supporting the resolution of over 40 requests weekly.

Core Skills:

• Payment Reconciliation
• Delinquency Reporting
• TMO System Research
• Insurance Compliance Monitoring
• Investor Remittance Processing
• Collections Documentation

• Deliver high-quality borrower communication across NASB’s multi-channel servicing platform, monitoring call center queues to maintain coverage levels that support resolution of 60+ daily inquiries.
• Administer ACH setups and customer data updates within an enterprise core system, safeguarding transaction accuracy and maintaining current records across a diversified servicing portfolio.
• Enforce compliance with investor, agency, and federal, state, and local regulations governing ARM adjustments and security instruments, preserving eligibility across FNMA, FHLMC, HUD, and VA programs.
• Manage matured obligations within the residential portfolio, collecting outstanding balances or structuring extensions to protect yield performance and minimize nonperforming asset exposure.
• Oversee escrow administration across hundreds of active accounts, ensuring timely disbursement of tax and insurance items to maximize collateral protection and regulatory adherence.
• Maintain advanced working knowledge of government-sponsored and agency lending frameworks, collaborating with cross-functional servicing teams to sustain uninterrupted secondary market participation.

Core Skills:

• Investor Servicing Compliance
• ARM Adjustment Administration
• Escrow Disbursement Oversight
• Agency Program Guidelines
• ACH Transaction Setup
• Call Center Operations

• Administer loss draft funds across an agency-serviced portfolio, coordinating inspections and applying investor guidelines to ensure compliant disbursement while protecting collateral and customer satisfaction.
• Enforce security instrument terms within a multi-state servicing environment, confirming hazard coverage, flood policies, and real estate tax payments to mitigate lien and uninsured property risk.
• Conduct due diligence on newly acquired loans by reviewing Notes, Deeds of Trust, and Title Policies, validating key data elements to safeguard transfer accuracy and secondary market eligibility.
• Reconcile loan histories during servicing transfers involving entire pools, verifying balance integrity and documentation completeness to prevent downstream reporting discrepancies.
• Monitor the Purchased Loan Tracking system for 100+ boarded accounts annually, maintaining milestone visibility and ensuring regulatory review deadlines are consistently achieved.
• Validate insurance coverage and tax status across acquired portfolios while adhering to Servicing Transfer requirements, reducing compliance exceptions and strengthening audit readiness.

Core Skills:

• Loss Draft Administration
• Servicing Transfer Compliance
• Collateral Risk Review
• Insurance Verification
• Loan Boarding Due Diligence
• Purchased Portfolio Tracking

• Oversee all monetary transactions within the Loan Servicing Department across a multi-product portfolio, ensuring enterprise-level financial accuracy and adherence to established internal control frameworks.
• Reconcile third-party payment receipts and general ledger accounts supporting hundreds of active loans, resolving discrepancies to maintain balanced reporting and audit-ready financial records.
• Validate daily check deposits in accordance with documented procedures, sustaining 100% timely processing and reinforcing cash management integrity across servicing operations.
• Negotiate repayment arrangements with delinquent borrowers across the portfolio, structuring sustainable solutions that reduce foreclosure referrals and stabilize account performance.
• Document all inbound and outbound collection activity within regulated environments, updating borrower contact data and correspondence logs to strengthen compliance traceability and reporting reliability.
• Coordinate foreclosure and bankruptcy referrals to delegated counsel while monitoring case status, reviewing Proofs of Claim and Relief motions for 30+ active matters to ensure procedural accuracy and timeliness.

Core Skills:

• General Ledger Reconciliation
• Cash Control Procedures
• Collections Management
• Foreclosure Coordination
• Bankruptcy Administration
• Payment Processing Operations

• Evaluate complex credit packages, appraisals, and title commitments across commercial lending transactions, assessing structural parameters and conditions to support sound underwriting and risk mitigation decisions.
• Determine required documentation for multifaceted loan structures and prepare compliant instruments, ensuring collateral perfection and alignment with institutional and regulatory standards.
• Review third-party prepared agreements within cross-functional closing workflows, identifying discrepancies and safeguarding execution accuracy prior to officer authorization.
• Deliver complete execution-ready packages to Lending Officers for final approval across diverse portfolios, accelerating closing timelines while preserving documentation integrity.
• Process pricing adjustments tied to borrower performance and established grids, applying structured analysis to maintain yield consistency and contractual compliance.
• Conduct post-closing audits on 100+ annual transactions, confirming executed documentation completeness and proper booking to reinforce audit readiness and portfolio data accuracy.

Core Skills:

• Credit Package Analysis
• Collateral Documentation
• Loan Booking Procedures
• Pricing Grid Adjustments
• Post-Closing Audit
• Title Commitment Review

• Administer secure maintenance and archival of enterprise loan documentation across multiple storage media, implementing compliant retention schedules that strengthen regulatory adherence and audit defensibility.
• Establish and monitor records management controls within departmental operations, maintaining detailed storage logs and retrieval tracking to ensure 100% traceability of active and archived files.
• Coordinate transmission of required documentation to credit card vendors while managing daily departmental mail and distributing operational reports to cross-functional stakeholders.
• Supervise end-to-end servicing activities for a diversified portfolio, directing workflow execution to sustain operational continuity and consistent performance standards.
• Lead two team members in daily processing functions, contributing to staffing decisions, performance evaluations, and corrective actions to maintain productivity and accountability.
• Execute loan payoff transactions across the servicing platform, verifying balances and release documentation to ensure timely account resolution and customer satisfaction.

Core Skills:

• Records Retention Compliance
• Document Archival Management
• Loan Payoff Processing
• Vendor Documentation Coordination
• Servicing Operations Oversight
• Team Performance Management

• Process loan servicing transactions across commercial and residential portfolios, posting payments, executing payoffs, generating payoff letters, and updating core systems to ensure accurate account administration.
• Investigate servicing discrepancies involving insurance, billing, and payment applications, resolving routine issues and escalating complex exceptions to safeguard portfolio performance and compliance standards.
• Compile and distribute monthly and annual regulatory reports, including HMDA, Multi-Family, FHLB, and participation data, ensuring timely submission and enterprise-level reporting accuracy.
• Generate year-end interest and 1098 statements for 500+ accounts, researching IRS TIN discrepancies to reduce reporting errors and maintain tax compliance integrity.
• Review newly originated and modified loans within cross-functional workflows, validating system setup and data accuracy to prevent downstream servicing disruptions.
• Administer collateral updates and prepare partial real property releases, preserving lien documentation integrity and maintaining synchronized records across interconnected servicing platforms.

Core Skills:

• Loan Payment Posting
• Regulatory Reporting Compliance
• IRS TIN Research
• Collateral Release Processing
• Core System Administration
• Insurance Monitoring

• Audit reserve accounts across commercial and residential portfolios to confirm alignment with governing agreements, mitigating compliance risk and ensuring accurate escrow administration for hundreds of active loans.
• Generate monthly billing statements within established cycle deadlines supporting 400+ accounts, preserving receivable accuracy and strengthening portfolio-level cash flow predictability.
• Facilitate ACH batch release and processing within the enterprise core platform, reinforcing transaction controls and ensuring timely electronic settlement across multi-product servicing operations.
• Resolve borrower servicing inquiries across internal teams and external partners, escalating complex exceptions to senior specialists to expedite resolution and protect institutional relationships.
• Maintain stringent data integrity standards across interconnected systems, consistently meeting regulatory training requirements and critical reporting deadlines to uphold audit readiness.
• Provide cross-coverage for servicing staff during peak volumes and absences, sustaining workflow continuity and operational stability within a high-volume department processing 1,000+ transactions monthly.

Core Skills:

• Reserve Account Reconciliation
• Billing Cycle Administration
• ACH Processing Controls
• Servicing Issue Escalation
• Data Integrity Management
• Escrow Compliance Monitoring

• Prepare and submit monthly SBA 1502 reports and guaranteed fee remittances to FTA across secondary market portfolios, ensuring accurate reporting and timely fund transmission in compliance with program requirements.
• Compile and transmit late payment, prepayment, and payoff 1502 filings for loans sold on the secondary market, remitting associated funds to FTA to preserve investor confidence and eligibility.
• Issue prepayment and payoff notifications to FTA and SBA for transferred or repurchased obligations, maintaining regulatory transparency and preventing reporting discrepancies across 100+ active accounts.
• Review SBA modification documentation against SOP guidelines within a multi-loan servicing environment, validating term accuracy to mitigate compliance risk and protect guaranty enforceability.
• Onboard new SBA originations, modifications, and participations onto the core system, executing status updates and daily maintenance to sustain data integrity and program adherence.
• Investigate and resolve operational exceptions on SBA loans while processing 172 payments for repurchased credits, safeguarding portfolio performance and ensuring accurate post-repurchase accounting.

Core Skills:

• SBA 1502 Reporting
• Guaranteed Fee Remittance
• Secondary Market Servicing
• SOP Compliance Review
• Core System Boarding
• SBA 172 Processing

• Submit formal inquiries and transcript requests to FTA and SBA across government-guaranteed portfolios, expediting documentation retrieval and strengthening regulatory response accuracy for 150+ active accounts.
• Administer SBA REO, foreclosure, and charge-off cases within a multi-state servicing environment, maintaining precise status controls to protect recovery timelines and guarantee compliance.
• Reconcile custodial bank accounts and related loan activity under daily balancing standards, resolving variances within 24-hour cycles to safeguard cash integrity and reporting accuracy.
• Review transaction exception and suspense reports supporting commercial and purchased credits, clearing outstanding items to reinforce internal controls and financial transparency.
• Support preparation of daily and monthly remittance reports for participating banks, serving as operational backup to ensure uninterrupted secondary market fund transmission.
• Cross-train across departmental functions and achieve company technical and regulatory certification benchmarks, enhancing team coverage capacity and validated subject-matter competency.

Core Skills:

• SBA Portfolio Servicing
• Custodial Account Reconciliation
• REO Account Administration
• Exception Report Analysis
• Secondary Market Reporting
• Regulatory Compliance Testing

• Coordinate assigned servicing functions within a multi-investor environment, escalating complex issues to ensure policy adherence and timely completion of activities aligned with regulatory and procedural standards.
• Compile and deliver documentation for Quality Control, Corporate Audit, Investor, Agency, and MERS reviews, strengthening enterprise-wide compliance transparency and audit responsiveness.
• Reconcile investor reports and custodial accounts in accordance with agency requirements, resolving variances within prescribed cycles to preserve financial accuracy and reporting integrity.
• Obtain agency approvals and execute sale schedule requirements, including transfer reconciliation, customer notifications, and fund settlement, supporting seamless servicing releases across 75+ loan transfers annually.
• Analyze recast documentation and research federal, state, and insurer guidelines, synthesizing findings into charts and reports that reinforce regulatory conformity and informed operational decision-making.
• Disburse manual checks and process replacement wires while maintaining detailed reconciliation logs, safeguarding cash controls and ensuring traceable settlement activity across servicing operations.

Core Skills:

• Investor Report Reconciliation
• Custodial Account Management
• Servicing Transfer Coordination
• Regulatory Research Analysis
• Manual Check Disbursement
• Agency Approval Processing

• Execute transactions across fixed-rate, adjustable-rate, bi-weekly, buy-down, and construction products within a diversified portfolio, processing modifications, advances, paydowns, and payoffs to ensure accurate account maintenance.
• Administer rate and payment change records across multiple loan programs, updating system data to preserve billing accuracy and contractual compliance under state and federal regulations.
• Investigate servicing discrepancies in coordination with lending units and external clients, resolving issues within delegated authority to sustain operational continuity and borrower satisfaction.
• Oversee lien perfection activities including UCC filings, continuations, mortgage recordings, and collateral releases, safeguarding secured positions across commercial and consumer credits.
• Process paid notes and prepare UCC terminations, lien releases, and mortgage satisfactions for 200+ annual closures, ensuring timely collateral discharge and regulatory documentation accuracy.
• Support origination and ongoing administration workflows by filing title work, flood certifications, and due diligence reports, proactively monitoring compliance tracking systems to maintain timely lien recording and insurance oversight.

Core Skills:

• Loan Account Maintenance
• Rate Change Administration
• Lien Perfection Management
• UCC Filing Processing
• Collateral Release Documentation
• Regulatory Compliance Oversight

• Deliver high-quality member service across internal departments and external borrowers, investigating complaints and resolving complex servicing issues to strengthen satisfaction and retention outcomes.
• Support lending and core system users enterprise-wide, troubleshooting technical and procedural disruptions to restore functionality and maintain uninterrupted transaction processing.
• Conduct post-closing quality reviews on consumer loans, validating documentation completeness, DMV titling, and ACH authorization forms to ensure compliant booking and accurate system setup.
• Process ACH enrollments, due date adjustments, and Bill Matrix configurations for 300+ active accounts annually, preserving payment accuracy and minimizing application errors.
• Research insurance coverage and administer CPI refunds, MRC claims, and CUNA cancellations, facilitating policy issuance and safeguarding collateral protection across the portfolio.
• Execute loan payoff requests and paid-in-full closures, releasing collateral and updating member records while performing quality control audits to sustain data integrity and regulatory compliance.

Core Skills:

• Loan Quality Review
• ACH Setup Processing
• Collateral Release Administration
• CPI Refund Management
• Core System Support
• Insurance Coverage Research

• Analyze exception reports across consumer and mortgage portfolios, executing corrective transactions to restore data accuracy and reinforce internal control integrity.
• Process lockbox exception payments and disbursements within high-volume servicing operations, ensuring precise application of funds and timely reconciliation of outstanding balances.
• Validate loan modification documentation against approval terms and regulatory guidelines, updating dual core systems to preserve compliance and prevent downstream servicing discrepancies.
• Maintain variable rate index records as backup support, confirming accurate rate adjustments across adjustable portfolios to protect billing precision and contractual adherence.
• Support third-party servicing and secondary market delivery platforms as system administrator backup, sustaining operational continuity and compliant investor reporting.
• Facilitate documentation requests for regulatory examinations and external audits, adhering to Bank Secrecy Act, Patriot Act, OFAC standards, and maintaining active NMLS registration to uphold institutional compliance.

Core Skills:

• Exception Report Analysis
• Lockbox Payment Processing
• Loan Modification Review
• Variable Rate Administration
• Secondary Market Systems
• Regulatory Compliance Management

• Provide back-office operational support within the Consumer Lending Department across a high-volume credit union environment, executing clerical and member service functions that sustain daily processing continuity.
• Administer third-party refinance funding for 200+ annual transactions, conducting pre-funding underwriting screens and escalating discrepancies to underwriters to ensure approval criteria compliance.
• Manage end-to-end processing of collateralized consumer loans, securing institutional liens and obtaining titles promptly to protect perfected security interests and regulatory standing.
• Conduct post-disbursement quality control reviews on funded accounts, validating documentation accuracy, required signatures, and rate change adjustments to reinforce audit readiness and data integrity.
• Assist members with total loss and GAP claims while issuing or canceling ancillary products, safeguarding coverage accuracy and supporting compliant insurance and protection administration.
• Respond to high-volume member inquiries and track loan files through retention cycles, maintaining organized records that enhance servicing transparency and strengthen compliance oversight.

Core Skills:

• Refinance Funding Processing
• Pre-Funding Underwriting Review
• Lien Perfection Tracking
• Post-Disbursement Quality Control
• GAP Claim Administration
• Consumer Loan Operations

• Administer servicing functions across commercial, consumer, and mortgage portfolios within a multi-branch banking environment, ensuring accurate account maintenance and compliant operational execution.
• Audit newly boarded loans using structured QC checklists, reconciling core system data to source documents and boarding sheets to confirm 100% booking accuracy across three lending verticals.
• Coordinate with bookers, processors, branch managers, and lending leadership to resolve documentation gaps, expediting file completion and reducing downstream processing delays.
• Examine original loan packages for required instruments and signatures, imaging and indexing documents to strengthen audit readiness and enterprise document traceability.
• Establish and monitor tickler controls for missing documentation and pending collateral perfection items, improving follow-up timeliness across 250+ active accounts.
• Perfect collateral by recording Deeds of Trust, filing UCCs, and preparing state title submissions, safeguarding secured positions and reinforcing lien enforceability across secured credits.

Core Skills:

• Loan Boarding Quality Control
• Collateral Perfection Processing
• Tickler Management Systems
• UCC Filing Administration
• Document Imaging Compliance
• Commercial Loan Servicing

• Monitor and maintain collateral documentation for secured lending portfolios, safeguarding perfected security interests and ensuring accurate tracking of pledged assets across multi-county jurisdictions.
• Process new and renewed real estate loan packages within a regional banking environment, indexing scanned documents and resolving discrepancies to strengthen documentation integrity and customer service delivery.
• Verify appraisal data and collateral tracking inputs against source records, updating system fields to preserve valuation accuracy and support sound credit administration.
• Perfect institutional liens on real estate credits by recording required instruments with applicable counties, reinforcing enforceability and protecting secured positions across first-lien portfolios.
• Review imaged exception documents and title policies for quality, indexing accuracy, and completeness, reducing documentation errors and enhancing audit readiness for 150+ annual transactions.
• Input property tax data into LERETA’s web-based platform for newly originated first-lien loans, enabling proactive tax monitoring and minimizing escrow and compliance risk exposure.

Core Skills:

• Collateral Documentation Management
• Lien Recording Administration
• Appraisal Data Verification
• Title Policy Review
• Exception Tracking Oversight
• LERETA Tax Monitoring

• Research county tax records for construction and short-term real estate credits not monitored by LERETA, inputting verified data into collateral tracking systems to ensure accurate tax oversight.
• Validate annual property tax payments for non-escrowed loans across the secured portfolio, mitigating delinquency risk and preserving lien priority in multiple jurisdictions.
• Process paid real estate files totaling 120+ annual satisfactions, preparing lender-approved lien releases and updating core system records to ensure timely collateral discharge.
• Generate customer paid-in-full correspondence and distribute required documentation, reinforcing transparent account resolution and regulatory compliance standards.
• Update credit bureau reporting codes and transmit release notifications upon payoff, safeguarding accurate borrower reporting and maintaining data integrity across external agencies.
• Monitor expired hazard insurance policies and execute end-of-month collateral tracking reports, coordinating with carriers and lending teams to reduce uninsured exposure and strengthen portfolio controls.

Core Skills:

• Collateral Tracking Systems
• Lien Release Processing
• Property Tax Verification
• Credit Bureau Reporting
• Insurance Policy Monitoring
• End-of-Month Reporting