Protect the bank's assets by ensuring the integrity of all collateral and loan files. Process daily paid loan files for consumer and commercial loans as assigned. Prepare payoff quotes and payoff letter requests. Perform payoff processing for incoming 3rd party payoff remittance checks, wires, rejected and/or un-posted payoff transactions that require special handling to post correctly to the system. Provide phone support concerning problems and questions related to loan processing. High School Diploma or equivalent required. High School Diploma or equivalent required. Minimum of two (2) years related work experience preferred.

1. Process 3rd party payoffs that come into the department via checks, wires, electronic payments, etc. utilizing the SilverLake loan system.
2. Provide payoff quotes both verbal and written as requested by internal parties as well as external clients and third parties using SilverLake system and fee schedule.
3. Assess prepayment penalty fees, early termination fees, lien release fees, and other fees associated with the payoff of loans.
4. Coordinates necessary internal documents needed for the process of wire transfers and checks to pay off all loan types, process refunds and refund letters to clients.
5. Process release of collateral as approved by loan modification requests.
6. Process release of collateral for paid off loans in a timely manner, including but not limited to: life insurance, stocks, real estate, UCCs and vehicles.
7. Maintain/update a log of service events and email requests assigned to group.
8. Process maintenance related service events and email requests, including but not limited to: payment reversals, backdated payoffs, payoff quotes, and waivers.
9. Maintain various daily, weekly and monthly reports to update customer records concerning: (i) collateral, (ii) insurance, (iii) refinances and (iv) unposted items. a. Work the Unposted Report daily as provided by Payment Processing in order to rectify items that were not posted correctly to the loans on the previous day by external parties. i. Research to the extent necessary to verify loan account information. ii. Report corrective actions taken. b. Work the Refinance Report daily as provided in order to research any collateral tracking for loans in which payoffs were processed by a branch. i. Loans reflective of a status indicative of being refinanced with FCB to be updated to a closed status. ii. Coordinates with Account Officer or Financial Solutions Center to ensure accuracy of payoff amount and rectifies errors. c. Work HELOC Close and Satisfy Report daily to review expiring Home Equity Lines of Credit. i. Updates account statuses as appropriate. ii. Coordinates the processing of notifications to clients as applicable. d. Work the Zero Balance with Escrow Report daily to research any remaining escrow balances on loans that have a zero principal balance. i. Clear/refund escrow as research indicates applicable.
10. Collect dealership title releases in order to release titles to dealerships within one business day.
11. Prepare paid loan files for scanning.
12. Prepare Paid in Full Letters and refunds for clients.
13. Research dated or converted mortgages to determine if mortgage(s) should be satisfied.
14. Report MERS Mortgage payoff information to Supervisor.
15. Perform maintenance to cancel Private Mortgage Insurance when applicable.
16. Communicate with clients, Financial Solutions Centers, Engagement Center, and third parties to ensure the risk management of each client relationship is in compliance with policy and procedure, as well as commercial and regulatory guidelines.
17. Prepare Lien Release Letters for clients as well as dealerships.
18. Provide exceptional customer service through written and verbal communications with customers and branch operations.
19. Assist in various projects, including but not limited to: mergers, additional assignments from outside of department, forbearances bank system release and upgrade testing.

Expectations __

1. Adheres to the Organizations' Core Values of Customer-Focused, Integrity, Excellence, Accountability and Inclusion.

2. Complies with regulations and laws relating to the function of the position. Abides by current organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace. Cooperates with, participates in, and supports the company's compliance with all regulatory requirements, e.g. Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.

3. Responds to inquiries relating to his/her particular area, or to the requests from customers, other bank personnel, etc., within given time frames and within established policy.

4. Conducts all business affairs, both personally and as a representative of the organization according to the high ethical and professional standards established by FCFC and the banking affiliate Board of Directors, and according to the approved Conflict of Interest/Business Ethics Policy.
5. Responsible for adherence to all internal policies, procedures, and practices in support of risk management, anti-money laundering and terrorism financing detection, information security and overall safety and soundness.
6. Assumes responsibility for assisting in his/her professional development; adheres to the guidelines and targets established within his/her Personal Scorecard.
7. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information.
8. Complies with established budgets and operates within budgetary constraints.
9. Other job-related duties as assigned or directed.

Bona Fide Occupational Qualifications___

1. High School Diploma or equivalent required. Minimum of two (2) years related work experience preferred.
2. Excellent verbal and written communication skills, exceptional relationship-building skills, strong analytical and mathematical skills, and a motivation to learn and contribute to continuous improvements are required.
3. Proficiency in MS Word and Excel is required.
4. Ability to work closely with team members to ensure daily work is completed.
5. Ability to access filing cabinets and transport bulky files.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)