Consumer Loan Servicing Specialist: II

Primary Responsibilities

• Receive, organize, and maintain collateral packages for newly funded and existing loans.
• Check in and track physical and electronic collateral documents.
• Maintain collateral inventory logs and tracking tools.
• Ensure collateral files are complete and properly indexed.
• Support collateral transfers, releases, and audits.
• Document Review & Validation
• Review and validate documentation including: Promissory Notes, Titles, Assignments, Deeds, Deeds of Trust, Security Agreements, Collateral Schedules, Additional supporting legal documents, and Borrowing Base Verification.
• Verify collateral values, counts, and asset information.
• Confirm pledged collateral is accurately reflected in the Borrowing Base.
• Research and resolve discrepancies between source documents and system records.
• Identify missing, incomplete, or inaccurate collateral records.
• Quality Control & Exception Management
• Perform quality assurance reviews of collateral files.
• Identify document defects, missing signatures, recording issues, expired documents, and collateral exceptions.
• Document findings and maintain exception logs.
• Escalate high-risk collateral deficiencies to management.
• Assist with remediation of collateral and documentation exceptions.
• Operational & Administrative Support
• Update internal systems with collateral and document status.
• Maintain accurate records supporting audits and examinations.
• Absorb support for portfolio reviews and collateral certifications.
• Support internal and external audit requests.
• Participate in process improvement initiatives to enhance efficiency and control effectiveness.

Required Qualifications

• High School Diploma or GED required.
• Associate's or Bachelor's degree in Business, Finance, Accounting, or related field preferred.
• Experience: 2+ years of experience in: Commercial Lending Operations, Mortgage Operations, Loan Documentation, Collateral Review, Title Review, Loan Servicing, Banking Operations.
• Skills: Strong attention to detail, experience reviewing legal and loan documentation, ability to identify discrepancies and data quality issues, strong organizational and time management skills, proficiency in Microsoft Excel and Outlook, ability to manage multiple priorities in a deadline-driven environment.
• Preferred Qualifications: Experience with borrowing base lending, experience reviewing titles and assignments, experience with collateral custody or vault management, experience supporting audits, compliance reviews, or regulatory examinations, financial institution or specialty lending experience strongly preferred.

Success Measures

• Maintain accurate collateral records.
• Identify documentation deficiencies before they become customer or audit issues.
• Ensure borrowing base collateral matches supporting documentation.
• Reduce collateral exceptions and outstanding defects.
• Sustain audit-ready documentation and operational controls.
• Process collateral reviews within established service level expectations.