Mortgage Servicing Default QC Specialist If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank. Company Information: Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $10 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $26 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need. Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune . If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace. Bell's Values: As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to: Promoting and sustaining our family atmosphere. Providing unequaled personal service to each and every customer. “Paying it forward” by giving back to the communities we serve. Our Bottom Line: Happy Employees! Happy Customers! Job Summary: This position's responsibilities will consist of reviewing the accuracy of work performed by the Loss Mitigation SPOC Agent, examination of borrower documentation to determine accuracy, ensure required tasks are performed, loans are documented correctly and letters sent to borrowers are complete and accurate. This position assists with internal and external audits and performs all duties in accordance with internal policies and procedures and all state, federal and investor guidelines. Primary Duties: Quality Control of work performed by internal Default Specialist (Foreclosure, Bankruptcy, REO, Claims) and Default Payment Processing Specialist. Review the work of the above-mentioned specialists to provide preventative controls to mitigate errors. Provide feedback on the Quality Control to the Vice President and Business Line Managers on exceptions identified when completing reviews. Operate within strict regulatory and operational SLAs. Review and determine root cause by exceptions identified. Determine accuracy of borrower posted payments to Foreclosure & Bankruptcy loans Provide recommendations for improvements to Default Servicing policy and procedures based on operational insights into gaps identified. Track errors and/or issues to identify trends and training opportunities. Operate as last line of defense for Default Servicing (Foreclosure, Bankruptcy & Credit Bureau) and regulatory compliance through independent assessment within FNMA, FHLMC, HUD, VA. USDA required timelines. Provide error reporting to management to assess potential process changes to streamline and improve results. Credit Bureau Quality Review Credit Bureau/Default Reporting Apply a continuous improvement mindset, offering suggestions on process improvements and efficiency gains. Support the collection of requested items related to internal & external audits as needed Maintain knowledge of compliance mandates, mortgage servicing policy and procedural updates and investor specific guidelines and related changes in the mortgage servicing industry. Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations. All employees are responsible for information security, including compliance with policies and standards which protect sensitive information. Perform other duties as assigned Job Skills Required: Prior quality control experience preferred 2 years of mortgage servicing experience Ability to work well in a dynamic, fast paced work environment. Proven ability to comprehend and perform complex activities independently Strong time management and organizational skills with the ability to multi task projects and priorities. Excellent attention to detail Prior MSP experience preferred Working knowledge of regulatory and investor (Asset, FNMA, FHLMC, FHA, VA and USDA) guidelines as they pertain to Foreclosure, Bankruptcy, Credit Bureau/Default Reporting Working knowledge of Foreclosure, Bankruptcy, REO, Claims, Credit Bureau Reporting & Default Reporting Working knowledge of Microsoft Office tools including Excel and Word Bell Bank provides competitive compensation and an excellent benefits package. Bell Bank Equal Opportunity Employer
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