Loan Servicing Specialist – Mortgage & Banking Expert with 6+ Years Experience

David Stein

Professional Summary

Reliable and compliance-driven Loan Servicing Specialist with over 6 years of experience in mortgage and banking sectors. Expert in payment processing, escrow management, loan modifications, and customer support, consistently ensuring regulatory compliance (FCRA, FDCPA, RESPA). Adept at managing high-volume portfolios with accuracy and efficiency using MSP, Encompass, and CRM platforms. Proven record of supporting audit readiness and cross-functional collaboration to optimize servicing operations.

Work Experience

Loan Servicing Specialist at SilverRock Mortgage Services

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Manage a servicing portfolio of over 1,200 residential mortgage accounts, processing payments, escrow disbursements, and late fee adjustments with high accuracy. Investigate account discrepancies such as escrow shortages and payment misapplications. Collaborate with loss mitigation and default servicing teams to monitor forbearance plans and loan modifications. Ensure strict compliance with FDCPA, RESPA, and investor guidelines (Fannie Mae/Freddie Mac). Maintain detailed records in MSP and Encompass to support audit readiness and investor reporting. Recognized for consistently exceeding accuracy benchmarks during monthly quality control reviews.

Banking Operations Clerk at First Tri-State Bank

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Supported post-closing loan maintenance including title updates, lien releases, and escrow reconciliations. Responded promptly to customer inquiries about loan balances, billing errors, and due dates. Documented call notes and customer updates in CRM systems to ensure account continuity and resolve disputes. Processed payoffs, payoff quotes, and reinstatement requests while coordinating with third-party payoff agents. Participated in internal compliance training on FDCPA and UDAAP regulations.

Education

High School Diploma

Centerville High School

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Skills

Technical Skills

  • Mortgage Loan Servicing
  • Escrow Management
  • Payment Processing
  • Loan Modification
  • Regulatory Compliance (FDCPA, RESPA, FCRA)
  • Data Reporting
  • Document Management

Soft Skills

  • Attention to Detail
  • Problem Solving
  • Customer Service
  • Communication
  • Team Collaboration

Certifications

FDCPA Compliance Training

RESPA & Mortgage Servicing Fundamentals – Internal Workshop

SilverRock Mortgage Services

Encompass & MSP System Certification

SilverRock Learning Center

Score
85/100
Projects
0/100
Skills
90/100
Profile
88/100
Header
85/100
Education
65/100
Certifications
85/100
Work Experience
87/100
Add higher education credentials or relevant finance-related courses to strengthen educational background
Include quantifiable achievements in work experience to better demonstrate impact
Incorporate a professional online profile link in the header for recruiter accessibility
Expand on ongoing training or professional development in education section
Add a career objective statement to clarify professional goals
Deep expertise in mortgage loan servicing and regulatory compliance
Experience managing large portfolios with high accuracy
Strong knowledge of industry-standard tools and software
Clear articulation of compliance with FDCPA, RESPA, and FCRA regulations

Projects

0%
Section missing

Skills

90%
Comprehensive skills section clearly separated into hard skills, soft skills, and tools which improves ATS parsing and recruiter clarity.
Includes relevant regulatory compliance terms and software tools widely used in mortgage servicing.
Consider adding certifications or proficiency levels next to skills to demonstrate expertise depth.

Profile

88%
Strong summary with relevant keywords such as 'mortgage,' 'banking,' 'compliance,' and specific regulations (FCRA, FDCPA, RESPA) which improve ATS relevance.
Profile highlights and strengths are clearly listed, aiding quick recruiter scanning.
Consider incorporating a brief objective statement to clarify career goals and align with targeted roles.

Header

85%
Header includes full name, professional headline with keywords, contact email, and phone number which supports ATS parsing.
Consider adding a LinkedIn profile URL or professional portfolio link to enhance recruiter access.

Education

65%
Education section includes high school diploma but lacks higher education or specialized degrees common in finance or banking fields.
Notes mention ongoing training which is good; consider expanding on any relevant coursework or certifications here.
Add dates for start and end if available to improve timeline clarity.
Consider listing any continuing education, workshops, or seminars relevant to mortgage servicing.

Certifications

85%
Includes relevant certifications directly tied to mortgage servicing and compliance, enhancing credibility.
Listing issuing authorities and dates awarded adds trustworthiness.
Consider adding any nationally recognized certifications or licenses to further boost professional standing.

Work Experience

87%
Detailed descriptions with quantifiable portfolio size (1,200 accounts) and specific compliance standards demonstrate expertise and impact.
Use of industry-specific tools (MSP, Encompass) and processes is well articulated, supporting ATS keyword matching.
Add more quantifiable achievements, such as percentage improvements or error reduction metrics, to strengthen impact.
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