**EEO Statement:** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. **Job Title:** Escrow Specialist Active - Regular full-time **Location** : Trustco Bank Florida Headquarters- Longwood, Florida **Salary:** $40,000 (NE12) **Reports To** : Loan Servicing Manager **Job Summary:** Trustco Bank is seeking a detail-oriented and organized Escrow Specialist to manage all aspects of escrow accounts, ensuring compliance with RESPA regulations. The ideal candidate will possess strong communication skills and a keen understanding of escrow account maintenance, annual analysis, and the management of tax payments. This position will play a crucial role in facilitating smooth operations within the loan servicing team. **Key Responsibilities** : + **_Escrow Account Maintenance and Setup:_** + Establish and maintain escrow accounts for new loans, ensuring accurate setup in accordance with bank policies and RESPA guidelines. + Monitor and update account information as needed to reflect changes in borrower circumstances or loan terms. + **_Annual Escrow Analysis Review:_** + Conduct annual escrow analysis to assess the adequacy of funds collected, ensuring compliance with federal regulations and bank policies. + Prepare and communicate escrow analysis findings to borrowers, addressing any concerns or discrepancies in a timely manner. + **_Collecting and Paying Tax Bills:_** + Monitor and collect property tax bills for escrow accounts, ensuring timely payments to avoid penalties. + Coordinate with municipalities and school districts to verify tax information and resolve any billing issues. + **_Communication with Borrowers:_** + Serve as the primary point of contact for borrowers regarding escrow account inquiries, providing clear and timely information. + Facilitate communication with municipalities and school districts to ensure accurate and efficient account management. **Qualifications:** High school diploma or equivalent; associate degree in finance, accounting, or related field preferred. Previous experience in escrow management, loan servicing, or a related role is highly desirable. Strong understanding of RESPA regulations and compliance requirements. Excellent organizational skills with attention to detail. Strong communication skills, both written and verbal, with the ability to interact effectively with borrowers, municipalities, and internal teams. Proficient in Microsoft Office Suite and experience with escrow management software is a plus. **What We Offer:** Competitive salary with opportunity for performance-based reviews. Comprehensive benefits package, including health, dental, and retirement plans. Opportunities for professional development and career advancement within Trustco Bank. If you are a motivated individual with a passion for providing exceptional service in the financial sector, we invite you to apply for the Escrow Specialist position at Trustco Bank. Join our team and contribute to our commitment to excellence in customer service and compliance. **Position Type/ Expected Hours:** This is a full-time position. Office hours Monday – Friday 8:30am – 5:00pm. Evening and weekend work may be required as job duties demand. **Travel:** No travel. **Language Skills:** Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. **Physical Demands:** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. + This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone. + Ability to communicate both in person and/or by telephone. **Work Environment:** The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment. **Other Duties:** Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. **Application Instructions:** Please submit your resume. **AFFIRMATIVE ACTION PLAN/EQUAL EMPLOYMENT OPPORTUNITY STATEMENT** Trustco Bank is an equal opportunity/affirmative action employer. It is the policy of Trustco Bank to take affirmative action in affording equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: Hiring, placement, upgrading, transfer, demotion or promotion Recruitment, advertising or solicitation for employment Treatment during employment Rates of pay or other forms of compensation Selection for training, including apprenticeship Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.