Job Details
Loan Servicing Specialist
2026-01-08 Horizon Credit Union Spokane,WA
Description:
Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams".
At Horizon Credit Union, we believe in attracting and retaining talented team members who embody our CORE Values of Capability, Optimism, Responsibility and Empathy. Our pay values are reflected in our compensation philosophy which rewards individual performance and the potential to contribute to our teams' overall success long-term.
The full pay range for this position across all the states in which we hire is $22.07-$30.89/hourly. The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate's experience, education, and skill level.
Benefits, Perks, and Other Good Stuff
We know there's more to life than just a job. Our benefits are designed to help support our employees and their well-being. Take a look at what we have to offer:
Requirements
EXPERTISE YOU NEED
Education & Experience
High school diploma or GED certificate.
One year of real estate mortgage experience in quality control, processing and/or Real Estate closing position; or equivalent combination of education and experience.
Related work experience may substitute for education.
Capabilities
Working knowledge of MS Office applications.
Enthusiastic and proactive.
Strong attention to detail and ability to focus.
Strong oral and written communication abilities.
Solid technical and problem-solving skills.
Ability to read and comprehend simple instructions.
Able to use all related computer equipment and applications.
Working knowledge of mortgage lending compliance requirements, such as REG B to REG Z.
Ability to read and interpret documents such as credit bureau reports, debt-to-income ratio reports, policy, and procedure manuals.
Ability to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists.
Ability to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, Section 91 - The Fair Credit Reporting Act, and UCC.
ABLE TO
To perform the essential functions of this position an employee must be able to meet the following work place demands: ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgment and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact Human Resources.
ABOUT THIS JOB DESCRIPTION
The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required. Job descriptions are not intended nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Horizon CU's goals employees may perform other duties as assigned and all employees are expected to:
Exemplify our CORE Values.
Promote teamwork and collaboration.
Provide our members with the highest quality service.
Salary Description
$22.07-$30.89/hourly
Job Type
Full-time
Description
YOUR PURPOSE
The Loan Servicing Specialist will support and facilitate the completion of servicing mortgage loans, collecting and reviewing supporting loan documentation in accordance with loan guidelines, and provide support throughout the loan servicing department. Ensures all loan servicing activities adhere to regulatory requirements and internal policies. The Loan Servicing Specialist will also maintain confidentiality in handling sensitive information and display a high level of integrity while completing tasks and projects.
YOU ARE RESPONSIBLE FOR
Administrative
- Handle the security, organization, and dissemination of confidential documents and information according to established protocols and procedures.
- Responsible for maintaining an up-to-date and comprehensive knowledge of all related policies, procedures, products, rules and regulations affecting the Credit Union and Loan Servicing Department.
- Coordinates with others to effectively prepare, organize, and present documents and information in accordance to established policy, regulation, and best practices.
- Proficient in Microsoft Suite applications, XP system and Nautilus.
- Professional who is highly organized, reliable, is attentive to detail, and works as a self-starter.
- Actively displays diplomacy, tact, and professionalism in actions and appearance.
- Meets deadlines for all tasks and work projects.
- Serves as the sole point of contact for all branches and members on all questions and issues related to servicing external mortgage loans.
- Manages Real Estate Helpdesk.
- Process all HELOC payoff quote requests, process all payoff wires and checks, assess and collect prepayment fees when applicable, and process account closures along with ensuring correct document processing required.
- Process and monitor the status of all mobile homes within the portfolio, including conducting escrow analyses for loans, ensuring prompt payment of taxes and insurance, and processing payments.
- Process reconveyance lien releases and all subordination requests for all HELOC loans and external mortgage loans including the tracking and recording with the county.
- Research and solve issues with lien releases on closed loans from merger files.
- Work with members and branch staff in obtaining all external mortgage loan document requests.
- Coordinates with members who have credit disputes caused by DMI and assists them in resolving the issue.
- Work alongside with the Insurance Department to solve insurance issues and document submission on external mortgage loans.
- Seeks workflow improvements and sources for automation so as to increase efficiencies.
- Reconcile Corelogic spreadsheet each month on any past due taxes.
Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams".
- Action Oriented : Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
- Collaborates : Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning.
- Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity.
- Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences.
- Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally.
- Self-Development Focused : Actively seeks new ways to grow and be challenged using both formal and informal development
At Horizon Credit Union, we believe in attracting and retaining talented team members who embody our CORE Values of Capability, Optimism, Responsibility and Empathy. Our pay values are reflected in our compensation philosophy which rewards individual performance and the potential to contribute to our teams' overall success long-term.
The full pay range for this position across all the states in which we hire is $22.07-$30.89/hourly. The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate's experience, education, and skill level.
Benefits, Perks, and Other Good Stuff
We know there's more to life than just a job. Our benefits are designed to help support our employees and their well-being. Take a look at what we have to offer:
- Medical, Dental, & Vision Insurance for full-time and reduced full-time employees & their families
- Telemedicine for part-time employees
- Paid Group Life and Disability Insurance
- Employee Assistance Program
- Tuition Reimbursement Program
- 401K Retirement Savings
- Employer 401K Retirement Contributions & Matching upon eligibility
- Discretionary Annual Incentive Bonus based on eligibility criteria
- Paid Time Off per Full Calendar Year:
- 10 hours of PTO per month (prorated for reduced full-time and part-time)
- Paid Birthday Holiday
- 2 Paid Wellness Days
- Up to 24 hours of Paid Volunteer Time annually
- 11 Paid Holidays
- And More!
Requirements
EXPERTISE YOU NEED
Education & Experience
High school diploma or GED certificate.
One year of real estate mortgage experience in quality control, processing and/or Real Estate closing position; or equivalent combination of education and experience.
Related work experience may substitute for education.
Capabilities
Working knowledge of MS Office applications.
Enthusiastic and proactive.
Strong attention to detail and ability to focus.
Strong oral and written communication abilities.
Solid technical and problem-solving skills.
Ability to read and comprehend simple instructions.
Able to use all related computer equipment and applications.
Working knowledge of mortgage lending compliance requirements, such as REG B to REG Z.
Ability to read and interpret documents such as credit bureau reports, debt-to-income ratio reports, policy, and procedure manuals.
Ability to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists.
Ability to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, Section 91 - The Fair Credit Reporting Act, and UCC.
ABLE TO
To perform the essential functions of this position an employee must be able to meet the following work place demands: ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgment and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact Human Resources.
ABOUT THIS JOB DESCRIPTION
The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required. Job descriptions are not intended nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Horizon CU's goals employees may perform other duties as assigned and all employees are expected to:
Exemplify our CORE Values.
Promote teamwork and collaboration.
Provide our members with the highest quality service.
Salary Description
$22.07-$30.89/hourly