The Home Mortgage Loss Mitigation Senior Specialist role at Citizens is looking to solve the problem of managing customer relationships throughout the modification and pre-foreclosure liquidation close out process, ensuring compliance with regulatory guidelines and providing effective communication with borrowers, title companies, and other stakeholders.
Requirements
- Knowledge of mortgage documents, title insurance and title vesting
- Working knowledge of MSP/Fidelity, ALS, Back in Black (preferred)
- Strong knowledge of Mortgage Agency/Insurer and Regulatory guidelines
- Working knowledge of CFPB, FDCPA, RESPA, ECOA, TCPA, SCRA and UDAAP
- Strong PC Skills
- Mortgage/Default experience or Loan Closing experience 2+ years
- Ability to track multiple tasks
Responsibilities
- Managing the customer relationship throughout the modification and pre-foreclosure liquidation close out process
- Communicating and tracking borrower trial payments through the completion of the retention modification process
- Drafting and issuing final modification documents and/or pre-foreclosure liquidation collateral documents
- Providing guidance on next steps on approved borrower workout resolutions to mortgage title companies, mobile notaries and settlement agents
- Working closely with MI companies, GSEs such as Fannie Mae/Freddie Mac and Insurers such as HUD and USDA
- Tracking multiple tasks and working independently in a time sensitive environment
- Demonstrating high level communication and phone skills
Other
- High School or Equivalent (required)
- Bachelor Degree (preferred)
- Ability to work in an office 5 days a week
- Passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks
- Demonstrating strong negotiation skills and ability to work independently
