Document Exceptions Specialist M-F 8am-5pm

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GENERAL FUNCTION: This position is responsible for appropriate research and resolution of consumer and commercial collateral issues as escalated by internal and external clients, the research of missing mortgage or assignments, break-in-chain requests, facilitation of affidavits of lost assignment or erroneous release requests, and review and termination of land trust or land contract assignments as received. Is the Subject Matter Expert (SME) for collateral documentation research, exception processing and Merger and Acquisition (M&A) collateral issues.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Processes incoming requests through CORE within established service level agreements.

• Reviews and responds to incoming requests in CMT system with 24 hours.

• Works with various investors, custodians, attorneys, title companies, and other customers to resolve various lien release issues to minimize financial risk to the Bank.

• Completes complex research on Assignment of Mortgage issues related to merger files, CEMA loans, broker loans, or erroneous filings.

• Able to process Co-Op, CEMA, External Custodian, Multiple Collateral, UCC, non-real estate and VA loans. Ensures VA Guaranty Certificates are cancelled with the appropriate VA jurisdiction.

• Able to process releases of various collateral such as life insurance policies, deposit accounts, trust accounts, and brokerage accounts regarding commercial loans.

• Prepares Assignment of Mortgage documents on various accounts related to merger activities. Verifies validity of Assignment requests by requiring proof of payoff or servicing from requesting entity.

• Completes line of business requests to "Hold" satisfaction documents pending NSF, misapplied payments, fraud, or other issues, advises line of business if satisfaction document has already been sent for recording.

• Validates erroneous release requests from various affiliates or external clients and prepares necessary documentation such as affidavits and rescissions and/or collaborates with LOB to obtain executed mortgage documents to re-secure lien on behalf of bank and mails for recording or submits for electronic recording where appropriate.

• Prepares and records Warranty Deed or discharge of Assignment on various land contracts.

• Performs in depth research on aged outstanding mortgage/deed-of-trust issues where proof of servicing, payoff, or invalid release cannot be provided.

• Prepares lien release / satisfaction documents in accordance with state and county guidelines.

• Completes all rejected / non-recorded releases returned for error within 5 business days of receipt.

• Completes phone research with county clerks/recorders to obtain recording information for release.

• Research missing mortgage and/or assignment files to obtain necessary information for release.

• Works with third parties and lenders to obtain assignments of mortgages necessary to facilitate lien releases.

• Utilizes web based and internal account system tools to validate release requests including proof of payoff, credit reports, and merger histories.

• Maintains an organized and efficient work area; performs all work in accordance with established health and safety procedures.

• Perform any other duties as assigned by management.

MINIMUM KNOWLEDGE, SKILLS AND RESPONSIBILITIES REQUIRED:

• High School Diploma or equivalent; college degree is a plus.

• Minimum 3 years banking operations experience in consumer or commercial mortgage loans.

• Excellent verbal and written communication skills are required, as the candidate will be responsible for communicating with various members of the document recording staff, LOBs, and provide reporting to management.

• Strong analytical skills and attention to detail required.

• Ability to research and utilize multiple bank and external programs to obtain needed information for document preparation and recording.

• Ability to multi-task and effectively prioritize assignments and projects in a fast-paced work environment.

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At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.