Loan Servicing Representative at Tioga State Bank, N.A – Spencer, New York
Tioga State Bank, N.A
Spencer, New York, 14883, United States
Posted on Oct 25, 2025
NewSalary:$18 - $21
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About This Position
Loan Servicing Representative
GENERAL SUMMARY
Responsible for performing a variety of duties related to the loan operations function including servicing loan accounts, accepting payments, insurances, escrow accounts to paying off loans and returning loan documents including mortgage discharges to customers. Assists Bank staff with all loan operations related questions. Provides administrative support and assists underwriters with daily projects and with responding to questions from the offices/customers.
ESSENTIAL FUNCTIONS/MAJOR DUTIES
- Responds to all servicing requests on booked loans including the posting of payments and answering loan questions related to the core system.
- Reconciles various life and disability insurances and processes payments to vendor.
- Pays insurance premiums and property taxes.
- Inputs all loan changes and/or makes corrections on the core system.
- Including loan maintenance for payment reversals, AFT, ACH
- Reviews for accuracy and prepares for mailing various loan-related notices and statements. (e.g. billing notices and past due notices.)
- Handles all revolving credit processes including set-up, balancing, posting and file maintenance.
- Reviews all loans to ensure compliance with customer identification program (CIP).
- Prepares various internal forms related to the abatement and modification of loans.
- Performs monthly escrow analysis.
- Prepares & records mortgage and lien discharges.
- Compiles information and prepares various loan reports as directed.
- Performs various administrative duties such as faxing, filing, making copies as needed.
DUTIES SUPPORTING ESSENTIAL FUNCTIONS
- Reviews loan processors' work including commitment letters and closing documents.
- Researches and responds to credit bureau disputes.
- Meets or exceeds productivity and accuracy goals.
- Participates, as necessary, to ensure department responsibilities are completed on time.
- Maintains a working knowledge of all applicable software, systems and equipment.
- Promotes a positive team environment
- Performs other duties as assigned.
MINIMUM QUALIFICATIONS
Job Specific Knowledge, Skills & Abilities:
- Familiarity with mortgage documents and residential loans
- Demonstrated organizational skills
- Attention to detail skills
- Ability to prioritize and multi-task in a fast paced environment
- Ability to work with minimal supervision
- Excellent customer service skills
- Proficient interpersonal skills.
- Proficiency in Microsoft Word and Excel
- Proficient ten-key skills and data entry skills.
- Working knowledge of standard office equipment.
- Ability to read, write and speak English effectively; effective communication skills
- Basic math skills (add, subtract, multiply, divide)
Education and/or Experience:
- A high school diploma or equivalent required
- Minimum two (2) years clerical/administrative experience
- Minimum one (1) year experience in related positions normally required.
- Associates degree in a related field of study preferred.
- Completion of the Principles of Banking course between the first and third year of employment
- Experience in working with various stages of loans
Veterans / Disability
Frequently asked questions about this position
Job Location
Spencer, New York, 14883, United States
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Job Location
This job is located in the Spencer, New York, 14883, United States region.