Home Mortgage Loss Mitigation Decisioning

Description

As the Home Mortgage Loss Mitigation Decisioning Specialist, you will perform reconciliation process on files received from Front End Fulfillment Group by going into the loan system. The Front End Fulfillment group will send task to Decisioning, Decisioning acknowledges receipt of file and reviews file for complete documentation.

Primary responsibilities include

• Analyze property valuations to determine loss exposure.
• Complete steps within the decisioning process work flow within assigned timelines to ensure maximum customer experience.
• Handle inbound calls from customers with questions related to their specific work out process.
• Ensure 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.
• Analyze financial information to determine most effective work out strategy.
• Reviews financial data reported for accuracy i.e.: does the customer reported data match actual financials.

Qualifications, Education, Certifications and/or Other Professional Credentials

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

Hours & Work Schedule

• Hours per Week: 40 
• Work Schedule: Monday-Friday, in office position located in 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 are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. 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.