Home Mortgage Loss Mitigation Decisioning Specialist

Description

Responsibilities

• Handle inbound calls from customers with questions related to their specific work out process
• Communicates final workout decision back to the customer.
• Analyze property valuations to determine loss exposure
• Decisioning acknowledges receipt of the file and reviews file for complete documentation
• Complete steps within the decisioning process workflow within assigned timelines to insure maximum customer experience
• Perform reconciliation process on files received from Front End Fulfillment Group by going into the loan system. Front end fulfillment group will send task to decisioning.
• Adhere to system documentation policy and procedures to insure accurate internal and external reporting
• Analyze financial information to determine most effective work out strategy. Reviews financial data reported accuracy i.e.: does the customer reported data match actual financials.
• Insure all regulatory requirements are met for each account within the work out process
• Assists management with forecasting pipeline volumes, loan losses, and delinquency based upon closed workouts

Skills/Qualifications

• Make independent decisions and exercise sound judgment
• Excellent data entry and typing skills
• Math aptitude
• Knowledge of Fannie Mae, Freddie Mac, VA and/or FHA decisioning preferred
• Excellent analytical skills
• Knowledge of MSP, ALS, and FileNet
• High level communications skills when dealing with outside entities
• Bachelor Degree, Preferred
• Excellent time management skills
• Ability to perform in a production environment and meet monthly operation metric goals
• Excellent organization skills
• Knowledge of investor requirements governing mortgage collections and Federal/State laws (e.g. Fair Debt collections act, privacy act, fair lending).
• Organized work habits
• Goal driven
• Problem solver (demonstrated analytical / research skills)
• Strong PC Skills
• Excellent oral communications; counseling and persuasion skills
• Detail oriented
• Proficient product and service knowledge
• Mortgage/Default, 2+ Years
• Strong decision making skills
• Mortgage Investor 1+ Years
• Strong written and verbal communication skills
• Strong organization skills

Hours and Work Schedule

• Hours per Week: 40
• Work Schedule: Monday-Friday

• This is an in office position for Glen Allen, VA.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth