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Job DescriptionHours: 10-25 hours per week Work on site: Cheektowaga, NY Need assistance in the following areas of practice: • Bankruptcy: Assist Bankruptcy Attorney with his bankruptcy practice., • Mortgage Modification: Prepare mortgage modification applications for attorney review, submit to mortgage companies or their attorneys to save a clients home from a foreclosure sale., • Manage both types of files for the attorney.We are looking for a Superstar. Dont even consider responding to this ad unless:, • you are truly talented;, • you are a pleasure to deal with;, • you believe that you can be the best at almost anything you do and you can prove that;, • you enjoy developing a deep and meaningful rapport with clients;, • you are extremely customer-oriented;, • you have a burning desire to succeed;, • you are highly motivated;, • you have a never-say-die attitude; and, • you find ways to perform well, even in bad situationsThe Ideal Person:, • We firmly believe in hiring the RIGHT person for this job, not simply the person with the most credentials. The person we hire will know what it means to meet deadlines, work independently, and will restore our faith in the American work ethic. We like working with smart, motivated individuals who are eager to learn., • We would love to work with an experienced (5+ years) paralegal or mortgage processor who is motivated and has significant experience in one or more of the following areas of law: mortgage modification, bankruptcy, foreclosure and/or real estate, but we are willing to teach the RIGHT person who has a year or two of experience as a paralegal or mortgage processor., • If you are interested in helping people save their homes through mortgage modification law or bankruptcy, are a quick learner, can follow clearly stated expectations, will follow the standards and procedures of John DAmato PLLC, will conduct yourself in a professional manner, and clearly understand the difference between activity and accomplishment, then you should apply today! We would love to hear from you.What you can expect:, • Gentle, flexible hours and fast payment. Unlike full time mortgage processors or paralegals, you show up (or work from home), and do your work on a flexible schedule that you set. You will be free to enjoy life, making a difference and helping people. Isnt that your ideal for a work-life balance?, • Low pressure and a low-stress environment. We believe this is an ideal position for someone who wants part-time work as a retired individual or someone who wants to raise a family and still work part-time., • Compensation: To be determined based upon the package you send us. We will pay hourly or on a fixed-fee basis. We would rather work with someone motivated to finish a task than to pay someone on an hourly basis. This means you will have the chance to make more money if you work harder.Please do not apply if:, • You are someone looking for full-time work, but cannot find it;, • you do not already understand: how to prepare a budget;, • you make excuses for your poor performance;, • you view firm clients as an inconvenience;, • you are not punctual;, • you were the student who needed mom or dad to remind you about completing your homework or your projects;, • you need a lot of direction and hands-on guidance;, • you are already set in your ways and are not willing to learn; and, • you prefer to put off until tomorrow what could be done today.This is not the job for you.

DESCRIPTION: Are you passionate about helping others find their dream homes? Do you have a keen eye for market trends and a talent for negotiation? Join our dynamic real estate team where your drive and expertise will help clients navigate the exciting world of property buying and selling. As a Real Estate Agent with us, you'll guide clients through every step of the process, from discovering their perfect property to closing the deal. Your role will be to listen to their needs, offer expert advice, and ensure their journey is smooth and rewarding. You'll work with a diverse range of clients, from first-time homebuyers to seasoned investors, ensuring they make informed decisions in a fast-paced market. With access to cutting-edge tools, comprehensive training, and a supportive team environment, you'll have everything you need to excel. Whether you're conducting property showings, negotiating contracts, or building lasting relationships, your efforts will have a direct impact on your clients' lives and your own success. If you're ready to elevate your career and make a real difference, we want to hear from you! RESPONSIBILITIES: • Guide clients through the buying and selling process with personalized service., • Conduct market research to identify competitive pricing and local market trends., • Schedule and conduct property showings, open houses, and tours., • Negotiate offers between buyers and sellers to secure favorable terms., • Prepare and present detailed property listings with photos and pricing. Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 / year or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Owned and operated in New York State, this is where we're from - the place we've called home since 1911. We stay true to our roots as a family-owned real estate company and continue to provide end-to-end services that account for all stages of homeownership under one roof. A career with HUNT Real Estate is more than just a professional opportunity - it's an invitation to be part of our family. We provide our sales professionals and corporate staff with multiple opportunities to grow and develop their abilities within the HUNT family of businesses and beyond. Starting a career at HUNT allows you to feel fulfilled by your work while giving you the chance to forge a unique connection with your community and achieve personal goals. Dedication to our clients, our communities and each other: That's what we're all about. If this sounds like a place you could thrive, apply with us today.

Job DescriptionHours: 10-20 hours per week Will consider: An employee associate attorney or an "Of Counsel" Need assistance in the following area of practice: Bankruptcy: Prepare, sign, and file bankruptcy petitions, meet with clients, complete paperwork with attention to detail, and possibly make court appearances. A non-attorney assistant will prepare the first draft of the petition. Essentially, this is an ala carte service where you will work on part(s) of a bankruptcy case. Mortgage Modification: Prepare, sign, and submit mortgage modification to mortgage companies or their attorneys to save a client’s home from a foreclosure sale. Court appearances in Foreclosure Court and Bankruptcy Court. We are looking for a Superstar Attorney! Please consider responding to this ad if: you are a truly talented attorney; you are a pleasure to deal with; you believe that you can be the best at almost anything you do and you work to prove that; you enjoy developing a deep and meaningful rapport with clients; you communicate with piercing persuasiveness; you are extremely customer-oriented; you have a burning desire to succeed; you are highly motivated; you have a never-say-die attitude; and you find ways to perform well, even in difficult situations The Ideal Person: We firmly believe in hiring the RIGHT person for this job, not simply the person with the most credentials. The person we hire will know what it means to meet deadlines, work independently, and will restore our faith in the American work ethic. We like working with smart, motivated individuals who are eager to learn. We would love to work with an experienced (5+ years) attorney who is motivated and has significant experience in one or more of the following areas of law: mortgage modification, bankruptcy, foreclosure and/or real estate, BUT we are willing to teach the RIGHT person who has a year or two of experience as an attorney. If you are a licensed attorney interested in helping people save their homes through mortgage modification law or bankruptcy, are a quick learner, can follow clearly stated expectations, will follow the standards and procedures of John D’Amato Law Offices, will conduct yourself in a professional manner, and clearly understand the difference between activity and accomplishment, then you should apply today! We would love to hear from you. What you can expect: Gentle, flexible hours and fast payment. Unlike those attorneys running a law firm, you show up, do your work, and get paid (without needing to worry about where your next client is coming from). You will be free to enjoy life, not as an employer, but as a lawyer, making a difference and helping people. Isn’t that why you went to Law School in the first place? Low pressure and a low-stress environment. Please apply TODAY if: • you do not make excuses for your poor performance;, • you do not view firm clients as an inconvenience;, • you are punctual;, • you do not need a lot of direction and hands-on guidance;, • you are willing and eager to learn, not already set in your ways; and, • you do not prefer to put off until tomorrow what could be done today! This is the job for you!

Job Description Job Summary: We are seeking a detail-oriented and highly organized Mortgage Loan Closer to join our team. In this role, you will be responsible for preparing, reviewing, and ensuring the timely and accurate closing of residential mortgage loans. The ideal candidate will have a strong understanding of mortgage documentation, compliance requirements, and closing procedures, ensuring a smooth transition from underwriting to funding. Key Responsibilities: • Prepare and review closing documents in accordance with loan approval terms, investor guidelines, and regulatory compliance., • Coordinate loan closings with title companies, attorneys, borrowers, lenders, and internal departments., • Verify loan data, including loan amount, interest rate, and fees, to ensure accuracy., • Ensure all closing conditions are met prior to disbursement., • Issue and manage Closing Disclosures (CDs) and final settlement statements., • Perform funding authorization and coordinate disbursement of funds., • Communicate regularly with loan officers, processors, underwriters, and other stakeholders to resolve issues and ensure timely closings., • Maintain complete and accurate loan files in accordance with company and investor requirements., • Keep current on federal, state, and investor regulations related to loan closings., • High school diploma or equivalent required; associate or bachelor’s degree preferred., • 2+ years of mortgage closing experience preferred., • Strong knowledge of residential loan closing documents and procedures (Conventional, FHA, VA, USDA)., • Familiarity with TRID and other applicable compliance regulations., • Experience with mortgage loan origination systems, • Exceptional attention to detail and organizational skills., • Ability to multitask and work under tight deadlines. Hanna Holdings, Inc. affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of employees. Powered by JazzHR d3W6itSESP

Job DescriptionBenefits: • 401(k), • Bonus based on performance, • Company car, • Dental insurance, • Flexible schedule, • Health insurance, • Paid time off The Field Marketing Rep will serve as the face of the agency in the communityproactively connecting with partners such as car dealerships, mortgage brokers, apartment complexes, real estate agencies, small businesses, and other referral sources to generate qualified leads and grow our client base. Key Responsibilities: • Develop and maintain strong relationships with local car dealerships, mortgage brokers, apartment complexes, real estate agencies, small businesses, and other potential referral partners., • Actively network and represent the agency in the community., • Coordinate marketing campaigns, promotional activities, and community engagement events to increase brand visibility., • Identify new business opportunities and create referral pipelines from local businesses and organizations., • Distribute marketing materials and ensure consistent agency branding in the field., • Track outreach efforts, leads generated, and return on investment from field marketing activities., • Provide feedback on market trends and community needs to agency leadership., • Previous experience in field marketing, business development, or community relations preferred (insurance experience a plus but not required)., • Strong communication, networking, and relationship-building skills., • Outgoing, professional, and comfortable presenting to individuals and groups., • Self-motivated with the ability to work independently and meet performance goals., • Valid drivers license and reliable transportation required., • Full & Part-time available., • Competitive base pay, • Flexible schedule, • Company car provided, along with gas card., • Ongoing training and professional development., • Health, Dental, and Vision available., • 401k (with employer contribution) Flexible work from home options available.

Job Description About the Role: We are looking for a proactive and detail-oriented Business Analyst / Agile Lead to support a strategic Digital POS transformation project. This role is ideal for professionals with 2–5 years of experience in business analysis, agile delivery, and hands-on involvement in data mapping and testing activities. You will work closely with cross-functional teams and third-party vendors to ensure business requirements are accurately captured, mapped, and validated through testing cycles. Key Responsibilities: Facilitate Agile ceremonies and support sprint execution Gather, analyze, and document business and functional requirements Perform data mapping between systems and ensure accuracy of data flows Collaborate with QA teams to define test cases and support UAT Work with developers and vendors to ensure proper implementation of requirements Maintain documentation in Jira, Confluence, and MS Office Ensure alignment with compliance and regulatory standards Required Qualifications: 2–5 years of experience as a Business Analyst or Agile Lead Strong understanding of Agile/Scrum methodologies Hands-on experience with data mapping and testing processes Proficiency in Jira, Confluence, and MS Office Suite Excellent analytical, communication, and stakeholder engagement skills Experience in the mortgage or financial services domain is a strong plus Must be authorized to work in the U.S. Nice to Have: Experience with Digital POS systems or similar platforms Background in vendor coordination and integration projects Technical aptitude or education in IT, data analysis, or software development

Vylla Home’s national footprint and full-service model provide a truly progressive approach to the real estate process, creating extraordinary experiences for both our customers and sales agents. As part of the Carrington and Vylla family of companies, we provide nearly every aspect of homeownership under one roof – from real estate with Vylla Home to title, settlement and escrow services with Vylla Title and Escrow, mortgage lending with Carrington Mortgage Services, LLC and more! We offer our agents: • True partnership in your real estate business to support your career goals and development., • Competitive commission splits – keep your commission and set your own value!, • Unlimited opportunity to earn what you are worth., • No upfront or monthly fees. We don’t make money until you do., • Reasonable flat rate transaction fees. No hidden costs, and you don’t pay until you close!, • Qualified leads, assets and referrals – many unique options to increase your business. We are also a leading REO brokerage and provide multiple REO lead resources., • Free CRM tool (including a custom mobile app for when you’re on the go!), marketing tools, transaction management system, e-signatures and more., • Customized training, live demos and a library of industry-relevant resources available 24/7. We also offer the Ninja Selling sales platform and training for agents to increase productivity – all at no cost to you!, • Customizable marketing resources including agent websites, printed and digital materials, social media assets, tools, support and training., • Face-to-face broker support and coaching – true mentorship!, • Dedicated resources from Vylla and Carrington’s family of companies (including lending, title and settlement services along with superior customer service from our homeownership concierge team), • Back office support including dedicated transaction coordinators and an agent services resource team, • “Best of both worlds” environment with local offices and support as well as the backing of a large, established and nationwide institution, • Incentive program to earn cash if you help grow our team and refer new agents onboard, • Resources for your clients including a mobile app for home search, moving discounts from local vendors and more., • Flexible schedules and control over your personal and professional growth as an agent, • A fun, positive culture where our community, or Vyllage as we call it, supports one another and gives back Apply today! What will make you successful at Vylla? • An active Real Estate license, • Drive and ambition to succeed as part of an innovative, fast-growing team, • Complete focus on the customer experience, • Strong communications skills and ability to build a network of engaged customers and prospects, • Ability to multi-task and take initiative, strong work ethic Vylla is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, gender, national origin, ancestry, age, marital status, sexual orientation, veteran’s status, physical or mental disability or any other legally protected category. Vylla will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company. EEO/AAP Employer

Job DescriptionJob ProfileJob Title: Mortgage Post Closing Specialist ILocation: Buffalo, NYHire Type: ContingentPay Range: $22/hrWork Model: OnsiteRecruiter Contact: Natalie Dunn | 443-345-3303 | & Scope:Positional OverviewThis is your opportunity to join one of the largest banking institutions in the US and a community leader, where career development is an ongoing mission. At the forefront is a commitment to finding the best talent, cultivating it, and ultimately helping employees reach their career goals. You'll be encouraged to pursue your personal career goals and make a difference in ways that matter most to you!Imagine Staffing is recruiting for a Mortgage Post Closing Specialist on behalf of our client, a prominent financial institution. This person will ensure all mail, trailing documents, credit files, and closing packages are received and updated on the mortgage production system. Contact settlement agents to retrieve trailing documents and audit documents received to data on the mortgage production system, as well as investor guidelines.Role & Responsibility:Tasks That Will Lead To Your Success • Track receipt of mail, trailing documents, credit files, and closing packages and update mortgage production system accordingly., • Match up credit files and closing packages to be prepped scanned to imaging software., • Update file tracking software and process barcodes for credit files., • Ensure all checks received in closing packages are processed appropriately and in a timely manner., • Audit trailing documents (Mortgages, Assignments, Consolidation Agreements (CEMAs) and Final Title Policies) per investor guidelines and in comparison to data on the mortgage production system., • Contact settlement agents and title companies (via phone, fax, or email) to request outstanding documents and/or corrections., • Complete various projects, as assigned, either individually or in a time environment., • Generate and follow up on daily department reports, as needed., • Communicate with impacted areas regarding exceptions as they arise., • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies., • Promote an environment that supports diversity and reflects the brand., • Maintain internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable., • Work closely with both Internal and External Customers such as co-workers, Loan Production Office employees, settlement agents, and title companies. Skills & ExperienceQualifications That Will Help You Thrive, • High school Diploma or GED; Associate Degree preferred., • One-year prior business experience preferably in Operations (Lender, Title Company or Settlement Agents office)., • Prior mortgage and/or customer service experience., • Good PC skills with working knowledge of spreadsheet and word processing software., • Ability to prioritize and work effectively under time constraints., • Excellent verbal and written communication skills., • Excellent organizational skills with an emphasis placed on detail., • Ability to work independently, as well as, within a team environment., • Ability to problem-solve.

Job Description Overview CTG is seeking to fill a Mortgage Processing Specialist opening for our client in Cheektowaga, NY. Location: Cheektowaga, NY Duration: 12 months Overview: The Mortgage Processing Specialist is responsible for processing conventional and government loan requests in compliance with product, underwriting, and investor guidelines. This role ensures a seamless application experience by maintaining effective communication with all parties involved and ensuring adherence to regulatory requirements. Primary Responsibilities: • Maintain effective communication with customers, brokers, loan officers, and co-workers throughout the loan application process., • Collaborate with internal departments and external organizations to gather necessary documentation (e.g., Verification of Employment, IRS Transcripts, title search, appraisals)., • Notify relevant parties of any irregularities concerning mortgage guidelines immediately., • Monitor and update credit reports, appraisals, and documentation to ensure all underwriting conditions are satisfied., • Perform administrative duties, including preparing and mailing commitment letters, reviewing title and homeowners insurance, and updating loan conditions., • Ensure compliance with regulatory requirements and internal standards., • Identify and escalate risk-related issues to management., • Promote a diverse work environment that reflects the M&T Bank brand., • Complete other related duties as assigned. Scope of Responsibilities: Work closely with internal and external customers, including co-workers, borrowers, and loan officers. Supervisory/Managerial Responsibilities: None Education and Experience Required: • Associate's degree with a minimum of one year of mortgage industry experience or two years of equivalent work experience, OR three years of equivalent work experience including one year in the mortgage industry., • Six months of specific M&T Bank mortgage processing experience plus an additional 6-12 months in customer service, operations, or financial services., • Proficiency in PC skills with strong knowledge of spreadsheet, word processing, email, and PDF software. Education and Experience Preferred: • Ability to make sound decisions based on available information., • Knowledge of product, investor, and compliance requirements., • Flexibility to adapt to changes in a fast-paced mortgage environment., • Excellent verbal and written communication skills., • Highly organized with multitasking capabilities and strong attention to detail., • Ability to prioritize workload effectively and work collaboratively in a team environment., • Strong work ethic, reliability, and dependability. Excellent verbal and written English communication skills and the ability to interact professionally with a diverse group are required. CTG does not accept unsolicited resumes from headhunters, recruitment agencies, or fee-based recruitment services for this role. To Apply: To be considered, please apply directly to this requisition using the link provided. For additional information, please contact Emily Drew at . Kindly forward this to any other interested parties. Thank you!

Job Description Overview Are you ready to join a growing team? CTG is seeking to fill a Mortgage Post Closing Specialist I opening for our client in Williamsville, NY. Duration: 3 months Job Type: Hourly Consultant Pay: $22/hr Hours: 7:30 am to 4:30 pm or 8 am to 5 pm (flexible start time) Overview: Support the mortgage operations team by ensuring all mail, trailing documents, credit files, and closing packages are received, audited, and accurately updated in the mortgage production system. Communicate with settlement agents and title companies to obtain missing documents and ensure compliance with investor guidelines. Key Responsibilities: * Track and update mortgage production system with received documents. * Prepare and scan credit files and closing packages. * Audit trailing documents against system data and investor guidelines. * Contact settlement agents and title companies for missing or corrected documents. * Process checks from closing packages timely. * Generate and follow up on reports, and complete assigned projects. * Maintain compliance with internal controls and regulatory standards. Requirements: * High school diploma or GED. * 1+ year business experience, preferably in operations, lending, or title/settlement offices. * Strong attention to detail, organizational, and problem-solving skills. * Proficient in Microsoft Word and Excel. * Excellent verbal and written communication skills. * Ability to work independently and collaboratively. Preferred: * Associate’s Degree. * Prior mortgage or customer service experience. Excellent verbal and written English communication skills and the ability to interact professionally with a diverse group are required. CTG does not accept unsolicited resumes from headhunters, recruitment agencies, or fee-based recruitment services for this role. To Apply: To be considered, please apply directly to this requisition using the link provided. For additional information, please contact Krista Eckard at . Kindly forward this to any other interested parties. Thank you!

Job Description Job Title: Mortgage Processor I Location: Williamsville, NY Pay Range: $20/hr Work Model: Hybrid Recruiter Contact: Natalie Dunn | | 443-345-3303 Nature & Scope Position Overview: Our banking client is hiring an entry-level Mortgage Processor to support the early stages of the residential mortgage process. In this role, you will collect and review required documents, talk with team members and customers, and make sure everything follows both loan rules and deadlines. If you’ve worked in banking, customer service, or fast-paced office settings, this could be a great next step for your career. Role & Responsibility Tasks That Will Lead To Your Success: · Communicate with customers, loan officers, brokers, and teammates to keep loan applications on track. · Work with different departments and outside companies to gather documents including but not limited to job verifications, tax forms, home appraisals, and title reports. · Identify and report anything that doesn’t meet mortgage rules or guidelines. · Review incoming emails, faxes, and mail for loan conditions and documents. · Check and upload documents into the loan system. · Prepare or review reports to make sure information is accurate. · Follow rules and requirements to align with company and industry standards. · Follow audit and compliance steps to protect customer information. · Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. · Promote an environment that supports diversity and reflects the bank brand. · Maintain internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. · Complete other tasks as assigned to support the mortgage process. Skills & Experience Qualifications That Will Help You Thrive: · HS Diploma or equivalent · At least one year of experience in the mortgage industry. · Good PC skills with strong knowledge of word processing, spreadsheet and email software programs. · Ability to make sound decisions based on information provided. · Versatility and flexibility working within an ever changing fast paced mortgage environment. · Ability to function independently within time constraints. · Excellent verbal and written communication skills, highly organized and detail-oriented. Education and Experience Preferred: · Associates degree. Company DescriptionMary Kraft HR was founded in 1989 by Maryland native Mary Kraft and has since partnered with industry-leading companies in healthcare, financial, commercial, insurance, and service industry. As of February 2022, we celebrated 33 years as a small but mighty family-owned business. We are also proud to announce that for the last 5 consecutive years we have received Best in Staffing’s Client and Talent Diamond Awards. We’re here to make sure you get placed in a job that suits your needs and skills and offers the resources you need to advance your career. We offer medical, dental, vision, and 401K.Mary Kraft HR was founded in 1989 by Maryland native Mary Kraft and has since partnered with industry-leading companies in healthcare, financial, commercial, insurance, and service industry. As of February 2022, we celebrated 33 years as a small but mighty family-owned business. We are also proud to announce that for the last 5 consecutive years we have received Best in Staffing’s Client and Talent Diamond Awards.\r\n\r\nWe’re here to make sure you get placed in a job that suits your needs and skills and offers the resources you need to advance your career. We offer medical, dental, vision, and 401K.

Job DescriptionDescription: Classification: Exempt Location: Buffalo, New York Reports to: Director of Compliance and Quality Control Responsibilities: • Assist with state, regulatory and GSE audits and examinations, • Compliance reviews of marketing materials, • Assist with compliance policy reviews and updates as necessary, • Maintain customer complaint log and tracking until resolution, • Maintain and manage vendor management system, • Complete licensing tasks for company and licensed mortgage loan originators, • Assists with new applications, recertification's, and various tasks involving investors, warehouse lenders, and insurance companies, • Complete new hire and bi-annual exclusionary list reviews, • Maintain and manage new hire and annual compliance courses for associates, • Complete various quarterly reports for state regulators and warehouse lenders, • Work cooperatively with other departments to advise on compliance matters, • Various compliance projects as deemed necessary Skills/Abilities: • Excellent oral and written communication skills, • Ability to work independently and with minimal supervision, • Ability to multi-task, stay organized and be detail-oriented Core Competencies: • Strong Microsoft Word, Excel and PowerPoint skills, • Strong eye for detail – commitment to excellence, • Ability to work well under pressure, • Positive Attitude and willingness to help others, • High School degree or equivalent, 4-year college degree preferred, • Minimum five years of experience in mortgage lending compliance required

Job DescriptionJob ProfileJob Title: Document Custodian Vault AnalystLocation: Buffalo, NYHire Type: Contingent Pay Range: $18/hrWork Model: On-siteRecruiter Contact: Natalie Dunn | | 443-345-3303Nature & Scope:Positional OverviewAre you detail-oriented with a keen eye for accuracy? Join our client’s team as a Document Custodian Vault Analyst in the banking industry! In this role, you’ll be responsible for reviewing, verifying, and maintaining critical loan and financial documents, ensuring compliance with regulatory standards and internal policies. You’ll work in a fast-paced environment where precision and organization are key to safeguarding essential records. If you have experience in imaging, document review, mortgage servicing, or custodial operations and are looking for a dynamic opportunity with a reputable financial institution, we want to hear from you! Role & Responsibility:Tasks That Will Lead To Your Success • Process and maintain custody documents in accordance with agency guidelines or custodial agreements for Institutional clients., • Utilize imaging systems to scan, index, and retrieve documents efficiently., • Match document data within the custody tracking system to original documents, ensuring accuracy and completeness., • Determine if documents are original or copies and update records accordingly., • Follow established review criteria and escalate discrepancies as needed., • Update the tracking system with any exceptions or issues identified during the review process., • Ensure compliance with company risk and regulatory standards, policies, and controls., • Identify and escalate risk-related issues to management., • Maintain internal control standards, addressing audit points as required., • Support a diverse and inclusive work environment., • Perform other related duties as assigned. Skills & ExperienceQualifications That Will Help You Thrive, • HS Diploma OR equivalent, and one year of document or imaging experience., • Proficiency with personal computers, good alpha/numeric skills., • Adapting to new policies and procedures to improve processes and workflow., • Ability to function independently within time constraints., • Excellent verbal and written communication skills., • Highly organized with the ability to multitask and prioritize., • Strong attention to detail., • Ability to work in a team environment., • Strong work ethic, reliable and dependable

Job Description Associate Real Estate Attorney - WFH About Schneider Buchel LLP – “Protecting & Elevating Communities” We’re a fast-growing law firm focused on community associations, real estate, and commercial litigation — serving primarily HOAs, condos, and co-ops across New York. Our Culture & Values At Schneider Buchel, we’re serious about excellence—but we don’t take ourselves too seriously. We bring high standards, sharp minds, and strong values to the table every day. Our team delivers best-in-class legal work with precision, urgency, and a relentless focus on client service. We lead in our market because we set the bar higher for quality, responsiveness, and results. We’re a firm that works hard, celebrates wins, supports one another, and never settles for “good enough.” If you thrive in a fast-paced, detail-oriented environment where your contribution is celebrated and valued, you’ll feel right at home here. About the Role We are seeking a driven and detail-oriented Real Estate Associate Attorney with 3+ years of experience to join our expanding legal team. This role offers an exciting opportunity to work across a diverse range of real estate matters—commercial finance transactions, zoning, leasing, lending, licensing, and more—with a particular focus on serving the legal needs of community associations, commercial landlords, and property owners. If you’re looking for meaningful work, client exposure, and long-term career growth in a collaborative environment, we’d love to hear from you. This role should reside in the Western, NY area (Buffalo/Rochester) and is a remote/WFH role. Compensation: $105,000 +/- DOE Responsibilities: What You’ll Do • Draft, review, and negotiate legal documents related to:, • Commercial real estate purchases and sales, • Financing transactions (mortgage refinances, lender documentation, etc.), • Commercial leases (landlord and tenant side), • Draft and negotiate easements and related access agreements, • License agreements (including rooftop/cell tower access), • Draft opinion letters and advisory memos on real estate and community association matters, • Assist clients with zoning and land use matters, including attending planning or zoning board meetings, • Conduct legal research and prepare memoranda on municipal regulations, zoning ordinances, and permitting issues, • Support due diligence and title review in transactional matters, • Collaborate with senior attorneys and firm leadership on larger-scale deals and firm initiatives, • Interact with clients, property managers, and board members in a responsive and professional manner, • Admitted to practice law in New York State, • 3+ years of relevant real estate transactional experience, • Familiarity with community association law, zoning, and local regulatory frameworks is a plus, • Excellent written and verbal communication skills, • Strong analytical and organizational abilities, • Client-focused with an ability to manage multiple matters simultaneously, • Comfortable working independently and collaboratively within a fast-paced environmentAbout Company Schneider Buchel LLP is a fast-growing, enterprising law firm specializing in community associations, real estate, and commercial litigation. We serve hundreds of HOAs, condos, and co-ops throughout New York State. Our team is focused, responsive, and relentlessly committed to client service and employee happiness. As we scale, we are building a team that can grow with us. What We Offer • Competitive Salary: Compensation is commensurate with experience, • Health Benefits Contribution: Enjoy the firm’s health plan with our contribution, • Profit-Sharing Plan: Share in the firm’s success, • 401(k) Plan: plan for your future with our 401(k) offering, • Bonus Opportunity: Be rewarded for your actual contributions, • Free access to the on-site gym at the firm’s building and rooftop terrace

Job Description Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities The Consumer Real Estate Sales Manager (CRESM) directly manages all MLCs, and their staff. In support of the Consumer Real Estate Sales Director, the CRESM leads, manages and coaches the Mortgage Loan Consultants (MLCs) / Consumer Real Estate sales teams, to align with the bank’s residential real estate growth goals. The CRESM establishes and maintains relationships with mortgage professionals throughout the bank’s reasonably expected market area in order to; mine for quality residential loan originators (primarily in moderately populated areas), create relationships with organizations specializing in advancing mortgage lending opportunities in areas identified as majority minority and/or low to moderate income, as well as to assist the Consumer Real Estate Sales Director in driving teams toward successful attainment of individual and team goals. • Responsible for execution of the bank’s MLC production unit to attain loan growth initiatives, • Draws on current and future relationships with mortgage industry professionals to assist CRESD in recruitment and development of MLCs with $15MM or greater levels of production, • Develop and maintain current competitive market information to stay abreast of trends and developments within covered markets, • Receives, creates, and utilizes reporting to assist in leading MLC teams in maintaining and excelling in productivity and efficiency, • Ensures the bank maintains participation in community outreach programs within the MLC’s designated territories, • Ensures the bank is mining for applications from, and remains a partner to groups of low to moderate income (LMI) and those in protected classes, • Plans and attends meetings developed specifically for MLCs for training, coaching, and sales improvement initiatives, • Collaborates with the CRESD, Marketing Department and Compliance to establish and implement marketing strategies designed for MLCs on a territory scale, in-line with company objectives, • Assists the CRESD in day-to-day duties as required, • Completes other duties as assigned, • Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner, • As an integral member of the Mortgage Lending Department, this position is responsible to assist the department, as well as the Bank, in achieving their annual goals. Qualifications Education, Training and Requirements: • B.S. or B.A. degree in a related field of study preferred, • Valid driver’s license, • Candidates being considered for this position will be subject to additional background checks as required by regulations. Employees in this job must register and comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act)., • Highly qualified in ability to attract, inspire, lead and manage a team of professional consumer real estate mortgage sales associates, • The successful candidate must have thorough knowledge of the mortgage origination process and secondary market underwriting guidelines, • Strong written and verbal communication and sales skills, • Understands local real estate markets and variables that have the potential to change the landscape of said markets, • Minimum 5 years in a related consumer real estate sales position

Job Description Job Summary: The Mortgage Final Document Coordinator is responsible for managing the post-closing documentation process to ensure timely and accurate delivery of final mortgage documents. This includes obtaining required documents from settlement agents within 90 days of loan closing and forwarding them to the appropriate investor or document custodian per investor guidelines. The role requires strong organizational skills, attention to detail, and the ability to communicate effectively with internal and external stakeholders. Key Responsibilities: · Track and monitor closed loan files to identify missing final documents such as recorded mortgages, assignments, and title policies. · Communicate with settlement agents and title companies to obtain outstanding final documents within the required 90-day timeframe. · Review incoming documents for completeness and accuracy; resolve discrepancies as needed. · Upload and archive final documents into the loan origination system (e.g., OpenClose, Encompass). · Package and send final documents to investors or custodians in accordance with investor-specific delivery requirements. · Maintain accurate records of document receipt and investor delivery dates. · Respond to investor inquiries regarding final documentation status. · Collaborate with closers, processors, and post-closing staff to ensure smooth workflow and compliance. · Utilize investor websites to verify outstanding document requirements and update status. · Close out loan files once all final documents have been received and delivered. Qualifications: · High school diploma or equivalent required; associate or bachelor’s degree preferred. · Minimum 1 year of experience in mortgage post-closing or document coordination. · Familiarity with mortgage documentation (Conventional, FHA, VA, USDA). · Strong understanding of investor guidelines and compliance requirements. · Proficiency in Microsoft Outlook and loan origination systems. · Excellent written and verbal communication skills. · Ability to manage multiple tasks and meet deadlines in a fast-paced environment. Preferred Skills: · Experience with OpenClose or Encompass LOS. · Knowledge of title policies and county recording procedures. · Understanding of investor portals and document delivery protocols. This position is paying between $18-$21 per hour based on experience and location. HowardHanna.com Hanna Holdings, Inc. affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of employees. Powered by JazzHR 2AC1udXCes

The Compliance Specialist will perform assigned duties as a member of the Operational Compliance Team, including the development, analysis, and implementation of policies and procedures and quality control testing to ensure compliance with applicable federal and state laws and regulations in our mortgage lending company. Essential Job Functions (Duties/Responsibilities) The Compliance Specialist will have the following duties and responsibilities, including but not limited to: • Updating policies and procedures as necessary by organizational or market changes, • Execute file testing as it relates to compliance initiatives, • Establishing consistency in Servicing and Asset Management policies, procedures and files in conformance with Fannie Mae, Freddie Mac, FHA and Healthcare guidelines, • Utilize industry resources and outside counsel to ensure Arbor is aware of new compliance mandates and guidelines, • Reviewing and communicating Fannie Mae and Freddie Mac Guide updates through formal company-wide announcements, • Overseeing a centralized repository for staff to access Fannie Mae Guide and Freddie Mac updates, and policies and procedures as it relates to Servicing and Asset Management, • Make process improvement recommendations to help streamline processes, • Executing necessary training of Servicing/Asset Management employees for revised/updates procedures and assisting in the communication strategy for such changes, • Assisting with information requirements as it relates to Fannie Mae and Freddie Mac audits, S & P and Fitch annual reviews, Master Servicer Annual Reviews, site visits and other requests as applicable, • Prepare and distribute quarterly and year-end summary highlights to report results and corrective actions, • Implement, execute, and facilitate training to support Servicing/Asset Management departments Qualifications Education: Bachelor’s degree in Business Administration, Finance, or a related field. Experience: Minimum one (1) year of experience in commercial real estate and/or mortgage servicing. Knowledge/Skills/Abilities: • Excellent written and verbal communication skills, • Project management skills preferred, • Ability to establish strong partnerships with cross-functional partners, • Proficiency in Word, Excel, Visio and Power Point, • Ability to multitask and self-manage projects, • Basic understanding of the commercial real estate/multifamily market Travel: Limited travel. (Annual) Arbor Realty Trust, Inc. offers a competitive base salary and discretionary bonus. The starting base salary range for this position is $60,000 to $75,000. The specific compensation that will be offered is based on an understanding of the hired candidates' qualifications at the time of hire. Employees are eligible for a discretionary bonus based on employee work performance reviewed during the course of the year. The total compensation package for this position will also include other elements, a full range of medical, and/or other benefits including 401(k) eligibility and paid time off benefits. We are proud to be an equal opportunity employer and are committed to maintaining a diverse workforce and an inclusive work environment for our associates, customers and business partners. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability, ethnicity, pregnancy or any other legally protected status. We are committed to working with and providing reasonable accommodations to individuals with disabilities.

Job DescriptionDescription: About the job Responsibilities We are seeking an experienced Mortgage Underwriter with proficiency in both conventional and government loan programs. The ideal candidate will possess a thorough understanding of mortgage lending guidelines, strong analytical skills, and the ability to make sound lending decisions while adhering to regulatory requirements. Qualifications • Review and analyze mortgage loan applications to ensure accuracy, completeness, and adherence to underwriting guidelines for both conventional and government loan programs (FHA, VA, USDA)., • Assess borrower's financial documents including income, assets, credit history, and employment to determine creditworthiness and risk., • Evaluate property appraisals and collateral to ensure they meet lending requirements and guidelines., • Calculate debt-to-income ratios and other financial metrics to assess borrower's ability to repay the loan., • Communicate effectively with loan officers, processors, and other stakeholders to obtain additional information or clarification on loan files., • Issue loan approvals or denials based on underwriting findings, providing clear and concise explanations for decisions., • Stay updated on changes in mortgage lending regulations, underwriting guidelines, and industry trends., • Collaborate with compliance and risk management teams to ensure loan files are in compliance with regulatory standards and company policies. Requirements:

Occupancy Verification Contractor.FAR Inspections is looking for highly motivated individuals to perform residential occupancy verifications on behalf of mortgage lenders.Independent contractors earn predictable full-time or supplemental income and enjoy a flexible schedule.Experience with mortgage

Ensure that all closed loan files are audited and any document deficiencies are followed up on and resolved to produce a saleable loan file.In addition, all government loans must meet Housing & Urban Development (HUD) and/or Veterans Administration (VA) guidelines for insurance and guaranty of the l

Ensure all mail, trailing documents, credit files, and closing packages are received and updated on the mortgage production system.Contact settlement agents to retrieve trailing documents and audit documents received to data on mortgage production system, as well as, investor guidelines.Track receip

Offers basic sales solutions for customer needs on inbound and/or outbound calls and refers complex customer needs to the appropriate Specialist. Research customer complaints or problems related to their accounts or Bank services and resolve them in a timely and accurate manner; escalate more comple

Responsible for performing various collection duties on consumer or mortgage accounts in various stages of risk or performance to effectively reduce delinquency, losses and increase recoveries.Areas of delinquencies are categorized as follows: • Installment loan accounts • Revolving accounts •

Responsible for performing various collection duties on consumer or mortgage accounts in various stages of risk or performance to effectively reduce delinquency, losses and increase recoveries.Areas of delinquencies are categorized as follows: • Installment loan accounts • Revolving accounts •

Accounting & Finance Support / Remote] - Anywhere in U.Competitive pay - As an Accounts Payable Specialist at HMA Mortgage, you will: Process and review invoices for accuracy and completeness; Reconcile accounts payable transactions; Communicate with vendors to resolve any discrepancies; Manage vend

Responsible for the management of a single product line or the services for a market segment to include the design, development, implementation, and marketing.Ensures product/services are marketable, profitable and comply with legal and regulatory requirements.Recommend product pricing and understan

Identify opportunities to suggest and cross-sell alternative Bank products or services to better suit the needs of customers while contributing to customer retention and expanding their overall relationship with the Bank. Research customer complaints or problems related to their accounts or Bank ser

Responsible for performing various collection duties on consumer or mortgage accounts in various stages of risk or performance to effectively reduce delinquency, losses and increase recoveries.Areas of delinquencies are categorized as follows: • Installment loan accounts • Revolving accounts •

Associates degree with a minimum of one year's mortgage industry experience or two years equivalent work experience, OR in lieu of a degree, three years equivalent work experience including a minimum of one year's mortgage industry experience. Do you possess an Associate's degree with a minimum of o

Establish new 203(k) loans on system of record and disburse rehabilitation funds and construction draws, as requested.Post disbursements to servicing system and reconcile all entries.Track and disburse escrow holdback funds to appropriate parties.Disburse 203(k) rehabilitation funds, construction dr

The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. Experience as a loan officer in 1st mortgage produc

Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Ability to inte

Job Description Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals. Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business. • Grow Your Pipeline – Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources., • Close More Deals – Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing., • Be the Go-To Expert – Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies., • Deliver White-Glove Service – Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience., • Maximize Cross-Selling Opportunities – Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management., • Own the Loan Process – Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding., • Stay Ahead of the Market – Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor., • Make an Impact – Represent the bank at local business and community events, delivering exceptional value and building brand awareness., • Drive Compliance & Excellence – Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics., • Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion., • Cooperate with other members of department to achieve department goals, • Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals Qualifications Education, Training and Requirements: • An Associate's degree or equivalent preferred. High School Diploma or GED required., • Specialized Banking and lending education and training., • A Winning Mindset – Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you., • A Sales-First Approach – Strong relationship-building skills and the ability to generate referrals and new business opportunities., • Financial Knowledge – An understanding of mortgage products, underwriting guidelines, and regulatory requirements., • Technology & Communication Skills – Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities., • Education & Licensing – An Associate's degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act., • A Commitment to Growth – Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship., • 3+ years of experience in a professional sales environment in financial services normally required.

Role Duration: 6 Months Contract With Possibility Of An Extension.Top 3 Skill Set Is Required: Mortgage Processing Customer Service Borrower Contact.Job Description: Responsible For Processing Conventional And Government Loan Requests Based On.

Responsible for coordinating and administering a preventative quality control program within the Loss Mitigation department.This role involves conducting quality testing for Mortgage and/or Consumer products, critiquing existing processes, and making suggestions for best practices.The position requi

Job Description About the Role: We are seeking a dynamic and driven Technical Project Manager / Agile & Scrum Master to lead a strategic Digital Point of Sale (POS) initiative involving third-party vendor integrations. This is a long-term opportunity ideal for professionals with 2–5 years of experience, particularly those with exposure to the mortgage or financial services domain. You will be responsible for managing cross-functional teams, ensuring agile delivery, and coordinating technical requirements across software development, code upgrades, and API integrations. Key Responsibilities: Lead Agile ceremonies (Daily Stand-ups, Sprint Planning, Retrospectives, etc.) Manage project timelines, deliverables, and stakeholder communications Collaborate with internal teams and third-party vendors to ensure seamless integration Translate business requirements into technical specifications Perform data mapping between systems and ensure accuracy of data flows Oversee software development lifecycle including code upgrades and API integrations Maintain project documentation using Jira, Confluence, and MS Office Ensure compliance with internal standards and external regulations Required Qualifications: 2–5 years of experience in Technical Project Management or Scrum Master roles Strong understanding of Agile methodologies and frameworks Experience in software development projects, especially involving API integrations Familiarity with tools like Jira, Confluence, and MS Office Suite Excellent communication and stakeholder management skills Prior experience in the mortgage or financial services sector is a strong plus Must be authorized to work in the U.S. Nice to Have: Experience with Digital POS systems Background in vendor management and third-party integrations Technical background or education in software engineering or IT

Competitive pay - As an Accounts Payable Specialist at HMA Mortgage, you will: Process and review invoices for accuracy and completeness; Reconcile accounts payable transactions; Communicate with vendors to resolve any discrepancies; Manage vendor relationships and maintain accurate vendor records;

FAR Inspections is looking for highly motivated individuals to perform residential occupancy verifications on behalf of mortgage lenders. Experience with mortgage field inspections is not required but an ability to effectively manage time and meet deadlines is crucial. Mortgage lenders require perio

Competitive pay - As an Accounts Payable Specialist at HMA Mortgage, you will: Process and review invoices for accuracy and completeness; Reconcile accounts payable transactions; Communicate with vendors to resolve any discrepancies; Manage vendor relationships and maintain accurate vendor records;

Competitive pay - As an Accounts Payable Specialist at HMA Mortgage, you will: Process and review invoices for accuracy and completeness; Reconcile accounts payable transactions; Communicate with vendors to resolve any discrepancies; Manage vendor relationships and maintain accurate vendor records;

This position is responsible for collecting on delinquent mortgage loans by calling borrowers who are in early stages of default (60 or less days delinquent). Initiate contact with consumers in the earliest stages of default on their mortgage loans with M&T in an effort to collect past due payments,

Web Cam Interview $18-$28/Hr on W2.Skill Set 1: Good Communication.Skill Set 2: Independent Worker.Skill Set 3: Works well with a team also.Overview: Responsible for processing conventional and government loan requests.

Mortgage Occupancy Field Inspectors. Mortgage Occupancy Field Inspector. Mortgage Property Inspection Overview:.

Mortgage Property Inspection Overview:. Mortgage lenders require periodic updates on the properties they have financial interest in. Mortgage Occupancy Field Inspectors.

Customer Support / Remote] - Anywhere in U.Competitive pay / Health, dental & vision / 401k match / PTO - As a Customer Service Rep at Diana Health, you will: Answer and triage incoming phone calls and app messages from our current patients; Provide excellent customer service by addressing inquiries

Customer Support / Remote] - Anywhere in U.Up to $24 per hour / Medical, dental & vision / 401k match / PTO - As a Customer Service Rep at Copart, you will: Manage incoming calls and emails from customers, responding promptly and professionally; Provide accurate and timely information to customers r

Customer Support / Remote] - Anywhere in U.Competitive pay / Medical, dental & vision / 401k / PTO - As a Customer Service Rep at GRT Financial, you will: Handle inbound/outbound calls and emails from clients regarding their accounts; Provide excellent customer service by addressing and resolving cu

Customer Support / Remote] - Anywhere in U.Up to $24 per hour / Medical, dental & vision / 401k match / PTO - As a Customer Service Rep at Copart, you will: Manage incoming calls and emails from customers, responding promptly and professionally; Provide accurate and timely information to customers r