Special Loans Analyst- HELOC (Remote)

We need to output HTML fragment with sections: headings

for each section present: About the role? Actually "Who We Are" could be considered About the role? The instruction: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We need to map content accordingly. We have sections: Who We Are (company description) -> could be About the role? Actually "About the role" is typical but we have company overview. Could treat as "About the role" or maybe "About the company". But instruction says use those headings as examples; we can use any appropriate heading. Probably "About the role" is okay for company overview. Then "What We Do" corresponds to Responsibilities. "How You'll Contribute" also responsibilities/duties; could combine? Might be redundant. We could treat "How You'll Contribute" as Responsibilities as well. But we need to avoid duplicate content. Could merge? However instruction: preserve ALL substantive information; do not invent or summarize away detail. So we need to keep both sections content. Could have two sections: Responsibilities (What We Do) and Duties (How You'll Contribute). But both are similar; but we can keep both with headings maybe "Responsibilities" and "Key Responsibilities" but only allowed headings list? Not strict; we can use any heading but examples given. Safer to use "Responsibilities" for What We Do and "Duties" for How You'll Contribute? But Duties not in list. Could use "Responsibilities" for both? Might be duplicate heading; but we could combine them into one Responsibilities section containing both sets of bullet points. That would preserve all info without duplication. That seems acceptable: we merge the two sections into Responsibilities. Then "What You'll Bring" corresponds to Requirements/Qualifications/Skills. Could split into Requirements (education/experience) and Skills (abilities). But we can have one Requirements section containing all. Then "What We Offer" corresponds to Benefits. Also includes Pay Range. So we need Benefits and Pay sections. Pay: we have explicit pay range. So we create Pay section with that info. Benefits: we have description of benefits package. Schedule: not mentioned, so omit. We must not include boilerplate like EEO etc. Remove lines like "First American is an equal opportunity employer..." etc. Also remove "Based on eligibility, First American offers a comprehensive benefits package..." that's benefits; we keep that but need to strip EEO line. Also remove "Pay Range: $23.37 - $31.15 Hourly, Remote" we keep in Pay section. Also remove "This hiring range is a reasonable estimate..." maybe keep as part of Pay? It's substantive about pay determination; we can keep. We need to output only HTML fragment. Structure:

About the role

ServiceMac is a new sub-servicing entity backed by some of the leading practitioners of the mortgage servicing industry. ServiceMac is focused on providing superior technology, products, and services for the mortgage and real estate industries backed by highly personalized service and support. Through continuous innovation and acquisition, our offerings comprise of personalized solutions that span the mortgage continuum and enhance security, compliance, customer satisfaction, and profitability. Our inclusive, people-first culture has earned our company numerous accolades, including being named to the Fortune 100 Best Companies to Work For® list for eleven consecutive years. We have also earned awards as a best place to work for women, diversity and LGBTQ+ employees, and have been included on more than 50 regional best places to work lists. First American will always strive to be a great place to work, for all.

Responsibilities

• Responsible for setting up and processing activities related to Home Equity Lines of Credit (HELOCs), including both variable-rate and fixed-rate HELOC products.
• Performs HELOC draw reviews, draw segment setup and maintenance, billing reviews, and interest calculation validation.
• Provides operational support for HELOC servicing activities, customer and phone escalations, and ongoing monitoring to ensure accurate and timely servicing in accordance with applicable regulatory, investor, client, and internal requirements.
• Provides support in establishing scalable HELOC servicing capabilities and improving the effectiveness, accuracy, and efficiency of department functions.
• Provides a wide range of operational support within HELOC servicing.
• Performs activities associated with the setup, maintenance, and ongoing servicing of both variable-rate and fixed-rate HELOC products.
• Reviews HELOC draw requests to ensure servicing requirements are met and processes approved draw activity in accordance with established procedures.
• Sets up and maintains HELOC draw segments, including fixed-rate and variable-rate segments, as applicable.
• Reviews HELOC billing to ensure payment amounts, due dates, balances, and other billing elements are accurate.
• Reviews and validates HELOC interest calculations and researches discrepancies as needed.
• Performs loan maintenance and works exception reports to ensure HELOC accounts are accurately serviced.
• Reviews HELOC account activity and transaction history to identify and resolve servicing discrepancies.
• Assists with customer and phone escalations involving HELOC servicing, including researching account activity and providing accurate information to support resolution.
• Processes and monitors department reports and workflows to ensure accurate and timely completion.
• Creates and maintains department documentation, including but not limited to policies, procedures, job aids, and process documentation as directed.
• Adheres to regulatory and legal requirements, including applicable investor, client, federal, and state guidelines.
• Supports additional servicing processes within HELOC operations as needed.
• Follows established processes and procedures in daily activities, troubleshoots issues as needed, and recommends opportunities for continuous improvement.
• Works collaboratively with internal departments and external business partners to research and resolve HELOC servicing issues.
• Actively contributes to the results of the team and works toward achieving departmental goals and objectives.

Requirements

• Working knowledge of fundamental concepts, practices, and procedures within mortgage servicing.
• Working knowledge of HELOC servicing, including both variable-rate and fixed-rate HELOC products.
• Understanding of HELOC draws, draw segments, billing, payment calculations, and interest calculations.
• Ability to review loan activity and identify discrepancies in balances, transactions, billing, and interest calculations.
• Attention to detail and ability to understand complex financial transactions.
• Strong analytical, research, and problem-solving skills.
• Results-oriented with a track record of delivering quantifiable results to the organization.
• Understanding of HELOC servicing requirements and associated regulatory, compliance, and risk implications.
• Strong verbal and written communication skills.
• Ability to effectively research and respond to customer and phone escalations.
• Establishes effective working relationships at the work group level and across servicing functions.
• High School diploma or equivalent
• 1-3 years of experience
• 2+ years of mortgage loan servicing experience preferred.
• Previous HELOC servicing experience, including experience with HELOC draws, billing, interest calculations, or loan maintenance, strongly preferred.

Benefits

By choice, we don’t simply accept individuality – we embrace it, we support it, and we thrive on it! Our People First culture is inclusive for all employees - not just because it's the right thing to do, but because it's the key to our success. We are proud to foster an authentic and inclusive workplace For All. You are free and encouraged to bring your entire, unique self to work. Based on eligibility, First American offers a comprehensive benefits package including medical, dental, vision, 401k, PTO/paid sick leave and other great benefits like an employee stock purchase plan.

Pay

Pay Range: $23.37 - $31.15 Hourly, Remote. This hiring range is a reasonable estimate of the base pay range for this position at the time of posting. Pay is based on a number of factors which may include job-related knowledge, skills, experience, business requirements and geographic location.

We need to ensure no duplicate content: we have combined responsibilities. Ensure we didn't miss any substantive info: The "Who We Are" paragraph includes all. The responsibilities we included both "What We Do" and "How You'll Contribute". Check we didn't miss any bullet: Let's list original bullets from "What We Do": - Responsible for setting up and processing activities related to Home Equity Lines of Credit (HELOCs), including both variable-rate and fixed-rate HELOC products. - Performs HELOC draw reviews, draw segment setup and maintenance, billing reviews, and interest calculation validation. - Provides operational support for HELOC servicing activities, customer and phone escalations, and ongoing monitoring to ensure accurate and timely servicing in accordance with applicable regulatory, investor, client, and internal requirements. - Provides support in establishing scalable HELOC servicing capabilities and improving the effectiveness, accuracy, and efficiency of department functions. From "How You'll Contribute": - Provides a wide range of operational support within HELOC servicing. - Performs activities associated with the setup, maintenance, and ongoing servicing of both variable-rate and fixed-rate HELOC products. - Reviews HELOC draw requests to ensure servicing requirements are met and processes approved draw activity in accordance with established procedures. - Sets up and maintains HELOC draw segments, including fixed-rate and variable-rate segments, as applicable. - Reviews HELOC billing to ensure payment amounts, due dates, balances, and other billing elements are accurate. - Reviews and validates HELOC interest calculations and researches discrepancies as needed. - Performs loan maintenance and works exception reports to ensure HELOC accounts are accurately serviced. - Reviews HELOC account activity and transaction history to identify and resolve servicing discrepancies. - Assists with customer and phone escalations involving HELOC servicing, including researching account activity and providing accurate information to support resolution. - Processes and monitors department reports and workflows to ensure accurate and timely completion. - Creates and maintains department documentation, including but not limited to policies, procedures, job aids, and process documentation as directed. - Adheres to regulatory and legal requirements, including applicable investor, client, federal, and state guidelines. - Supports additional servicing processes within HELOC operations as needed. - Follows established processes and procedures in daily activities, troubleshoots issues as needed, and recommends opportunities for continuous improvement. - Works collaboratively with internal departments and external business partners to research and resolve HELOC servicing issues. - Actively contributes to the results of the team and works toward achieving departmental goals and objectives. All present. Requirements list: we captured all bullet points from "What You'll Bring". Let's verify: - Working knowledge of fundamental concepts, practices, and procedures within mortgage servicing. - Working knowledge of HELOC servicing, including both variable-rate and fixed-rate HELOC products. - Understanding of HELOC draws, draw segments, billing, payment calculations, and interest calculations. - Ability to review loan activity and identify discrepancies in balances, transactions, billing, and interest calculations. - Attention to detail and ability to understand complex financial transactions. - Strong analytical, research, and problem-solving skills. - Results-oriented with a track record of delivering quantifiable results to the organization. - Understanding of HELOC servicing requirements and associated regulatory, compliance, and risk implications. - Strong verbal and written communication skills. - Ability to effectively research and respond to customer and phone escalations. - Establishes effective working relationships at the work group level and across servicing functions. - High School diploma or equivalent - 1-3 years of experience - 2+ years of mortgage loan servicing experience preferred. - Previous HELOC servicing experience, including experience with HELOC draws, billing, interest