Mortgage Tax and Escrow Specialist 2 (HOA Team)

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Mortgage Tax & Escrow Specialist 2 is responsible for supporting mortgage servicing operations through the research, validation, and maintenance of property tax and homeowners association (HOA) information for residential mortgage loans. This role performs detailed analysis and investigation of tax and HOA-related records, reviews vendor-provided information for accuracy, and ensures timely completion of servicing activities in accordance with investor guidelines, regulatory requirements, service level agreements, and U.S. Bank policies and procedures.

The specialist works closely with internal business partners, third-party vendors, homeowners associations, property management companies, attorneys, and customers to research issues, resolve discrepancies, and protect the bank's lien position. Success in this role requires strong analytical skills, attention to detail, organization, and the ability to manage a high-volume workload while meeting established deadlines and quality standards.

Key Responsibilities

• Research and validate property tax and HOA information associated with mortgage loans.

• Review vendor-supplied data for completeness and accuracy and identify discrepancies requiring correction or escalation.

• Maintain mortgage tax records and monitor active tax service activities.

• Support timely and accurate tax disbursement processes for escrow and non-escrow accounts.

• Investigate potential HOA liens and determine appropriate actions to support risk mitigation and lien protection efforts.

• Respond to customer, attorney, vendor, and internal business line inquiries related to tax and HOA matters.

• Partner with vendors and external stakeholders to resolve incomplete, inaccurate, or missing information.

• Provide supporting documentation and research findings to facilitate issue resolution.

• Complete assigned work in accordance with established service level agreements and quality standards.

• Participate in cross-training opportunities and support additional tax-related operational functions as business needs require.

Basic Qualifications

• High school diploma or equivalent

• One to two years of experience in mortgage servicing, financial services operations, tax servicing, escrow administration, title, lien research, or a related operational environment.

Preferred Skills/Experience

• Mortgage servicing experience.

• Property tax, escrow, HOA, title, lien, default servicing, or real estate-related experience.

• Experience reviewing complex documentation and researching public or vendor-supplied records.

• Experience working with third-party vendors and external stakeholders.

• Demonstrated ability to work effectively in a highly regulated environment.

Location:

This role is expected to be onsite 3 (three) days a week at our Tamarack Rd- Owensboro, KY office.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.91

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.