Mortgage Loan Servicing Representative

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Summary

Handles mortgage loan servicing tasks like onboarding loans, processing payments, managing escrow accounts, and resolving member inquiries for a credit union.

NASA Federal Credit Union is seeking a detail-oriented Mortgage Loan Servicing professional to deliver exceptional member service while supporting a wide range of mortgage servicing functions. This role assists members and internal partners through telephone, mail, and email communications, maintains accurate mortgage loan data, and serves as a liaison for transaction-related questions. Responsibilities include onboarding new first mortgages, setting up escrow accounts, posting mortgage payments and payoffs, processing annual escrow analyses, tracking recordation and lien releases, maintaining MERS system accuracy, processing mortgage corrections and transfers, and supporting credit bureau reporting and corrections.

Essential Duties and Responsibilities: Include the following with other duties as assigned.

Remains cognizant of and adheres to Credit Union policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Level I:

Answers incoming telephone calls
Responds to internal and external email communications
Onboards new first mortgages to FICS
Ensures accurate and timely generation of periodic billing statements
Handles all internal/external member inquiries pertaining to documents (Notes, Deeds of Trust, Title Policies)
Completes Verification of Mortgage forms
Processes payoff requests for all real estate loan types
Processes all payoff transaction types (Retail Sold, Refinance, Retail and Correspondent, Home Equity and Commercial)
Posts payments to all real estate loan types
Responsible for mailing Goodbye (Retail Sold) and Welcome letters (Correspondent)
May be cross trained in select duties of the Mortgage Loan Servicing Representative II position
May be in training to learn the job duties of the Mortgage Loan Servicing Representative II position

Level II:

Sets up escrow accounts for new mortgages
Responsible for setting up tax service for new mortgages
Responsible for transferring mortgages to investors in MERS in a timely manner
Tracks recordation and processes lien releases on first mortgage and home equity Deeds of Trust
Files all mortgage documents within the vault and tracks outgoing original documents
Verifies accuracy of 10% of new mortgages and critical fields
Responsible for research and corrections to mortgages
Responsible for mortgage account transfers due to security breach or removal of member from account
Has a thorough knowledge of FCRA; responsible for credit bureau reporting, disputes and corrections
Assists in the preparation of yearly 1098 and 1099 tax forms
Performs servicing transfers for loans sold to new investors
Reviews daily, weekly, and monthly reports
May also be responsible for all or part of the duties of the Mortgage Loan Servicing Representative I position
May be cross trained in select duties of the Mortgage Servicing Representative III position
May be in training to learn the job duties of the Mortgage Loan Servicing Representative III position

Level III:

Reviews and audits new escrow setups for accuracy
Disburses payment of taxes, insurance and private mortgage insurance
Contacts member regarding delinquent taxes and cancellation of insurance
Responsible for the force placement of hazard and flood insurance as needed
Coordinates with Management to pay delinquent taxes to prevent tax sale; redeems collateral from tax sale
Analyzes escrow accounts
Processes final escrow disbursements
Prepares and mails annual escrow analysis statements
Reviews member requests for waiver of existing escrow accounts
Reviews member requests for waiver of private mortgage insurance
Responsible for coordinating mortgage hazard and flood insurance claims
Responsible for filing blanket coverage claims for home equity lines/loans
Responsible for processing and verifying all rate adjustments on Adjustable Rate Mortgages and Commercial Loans
Responsible for verifying monthly and quarterly rate adjustments on Home Equity Lines of Credit
Responsible for loan modifications/partial releases on all real estate loan types
Responsible for reviewing and processing year-end tax statements
Completes MERS audits; tracks receipt of transfers on Correspondent Loans
Responsible for servicing mortgages under the Servicemember’s Civil Relief Act (SCRA)
May also be responsible for all or part of the duties of the Mortgage Loan Servicing Representative I and II positions

Education and Experience:

Level I:

A high school diploma or general education degree (GED) and one-year relevant experience and/or training required.

Level II:

A high school diploma or general education degree (GED) and two to four years relevant experience required.

Level III:

Bachelor’s Degree in relevant field preferred and three to six years relevant experience required.
Strong knowledge of mortgage systems, mortgage procedures, credit union and governmental agency regulations and policies.

Our Generous Benefit Package Includes:

NASA Federal Credit Union offers an array of benefits including comprehensive healthcare, 401(k), paid leave, remote work options for applicable positions, and more.

+Insurance coverage begins the 1st day of the month, following 30 days after hire date.

*100% Credit Union-Paid

Full-Time Employee Benefits:

Salary: $47,500 - $75,625 / Annually
401(k) with employer match up to 6% and immediate 100% vesting
Gain Sharing Bonus (eligibility rules apply)*Health Insurance (Choice of two nationwide PPO plans)
High-Deductible Plan: 100% employer contribution toward premium. (HSA and FSA compatible)+*
Low-Deductible Plan: Generous employer contribution toward premium. (FSA compatible)+
Dental Insurance: Generous employer contribution toward premium (HSA and FSA compatible)+
Vision Insurance: Generous employer contribution toward premium (HSA and FSA compatible)+
Long-term Disability Insurance+*
Flexible Spending Medical Account (FSA)+
Flexible Spending Dependent Care Account+
Health Savings Account (HSA)+
Voluntary Supplemental Employee and Dependent Life Insurance+
Voluntary Short-term Disability Insurance+
Remote or Remote / Hybrid work options based on position
Life Insurance/AD&D+*
Vacation Leave (excluding Outside Loan Officers)
Sick and Safe Leave
11 Paid Holidays
Education Assistance
Employee Referral Bonus*
Credit Union Membership Eligible
Employee Assistance Program+*
Identity Theft Protection (Additional premiums to add family members)+*
Pet Insurance
Employee Discount Program
Remote or Remote / Hybrid work options based on position

All benefits are based on meeting NASA Federal Credit Union’s eligibility requirements and the carrier’s terms and conditions.

WE’RE STRONGER TOGETHER

At NASA Federal Credit Union, we strive to ensure a culture of collaboration, inclusion, and opportunity where everyone can feel valued, appreciated, and respected. We commit to recruit and retain a diverse team with the best talents to live our vision, mission, and values. We recognize that respecting different perspectives and experiences makes us stronger together.

Posted: 7.31.2026

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UNDER MARYLAND LAW, AN EMPLOYER MAY NOT REQUIRE OR DEMAND, AS A CONDITION OF EMPLOYMENT, PROSPECTIVE EMPLOYMENT, OR CONTINUED EMPLOYMENT, THAT AN INDIVIDUAL SUBMIT TO OR TAKE A LIE DETECTOR OR SIMILAR TEST. ANY EMPLOYER WHO VIOLATES THIS LAW IS GUILTY OF A MISDEMEANOR AND SUBJECT TO A FINE NOT EXCEEDING $100. choose one
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