Loss Mitigation Specialist

🕒 vor 24 Tagen

🌵 Arizona, Connecticut, +21 weitere Bundesländer – Remote

🌵 Arizona – Remote 🦌 Connecticut – Remote 🐊 Florida – Remote 🌽 Illinois – Remote ⚜️ Louisiana – Remote 🦬 Montana – Remote 🌾 Nebraska – Remote 🎰 Nevada – Remote 🗽 New York – Remote 🌲 North Carolina – Remote 🏈 Ohio – Remote 🌪️ Oklahoma – Remote 🌲 Oregon – Remote 🦀 Maryland – Remote 🚗 Michigan – Remote 🏰 Missouri – Remote 🔔 Pennsylvania – Remote 🌴 South Carolina – Remote 🗿 South Dakota – Remote 🎸 Tennessee – Remote 🤠 Texas – Remote ⛷️ Utah – Remote 🧀 Wisconsin – Remote

⏰ Vollzeit

🟡 Mittelstufe

🟠 Senior

👻 Geisterscore 10%

Was es bedeutet: wie wahrscheinlich diese Stelle offen bleibt, ohne dass aktiv eingestellt wird.So liest du es: 60 % oder höher heißt, wir halten das für einen Geisterjob. Niedrigere Werte sind weniger bedenklich.Wie wir werten: Dauer offen, Neuveröffentlichungen, offene Stellen vs Teamgröße, wie schnell Stellen geschlossen werden, und ob ein Gehalt angegeben ist.Hinweis: eine Schätzung aus öffentlichen Daten, kein Urteil über das Unternehmen. Echte Stellen können hoch punkten, nutze es also als Hinweis, nicht als Fakt.

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Zippy

WebsiteLinkedInAlle Stellen

51 - 200 Mitarbeiter

🛡️ Versicherung

💸 Finanzen

💳 Fintech

Insurance • Finance • Fintech

Zippy ist ein Unternehmen, das sich auf die Bereitstellung von Wohnbaukrediten, Kreditabwicklung, Versicherungsdienstleistungen und technologischen Lösungen im Zusammenhang mit der Kreditvergabe spezialisiert hat. Zippy Loans, LLC ist ein direkter Kreditgeber, der wettbewerbsfähige Kreditkonditionen und Optionen für neue und gebrauchte Häuser mit einem vollständig Online-Kreditverfahren bietet. Das Unternehmen betont einen modernen Ansatz zur Kreditvergabe, der das Verfahren einfach und zugänglich macht, ohne dass ein Besuch bei einer Bank erforderlich ist. Zippy bietet auch Versicherungsdienstleistungen über seine Tochtergesellschaft Zippy Insurance Services, LLC an. Mit einem Engagement, Kunden während der gesamten Kreditreise zu unterstützen, strebt Zippy an, Einzelpersonen dabei zu helfen, ihren Traum vom Eigenheim zu verwirklichen. Zippy ist ein Familienunternehmen einschließlich Zippy Loans, LLC, Zippy Loan Servicing, LLC, Zippy Insurance Services, LLC und Zippy Technology, LLC.

Beschreibung

• Manage an active pipeline of delinquent accounts requiring loss mitigation evaluation, follow-up, and resolution • Review borrower financial information, hardship circumstances, and supporting documentation to evaluate eligibility for loss mitigation solutions • Evaluate and recommend repayment plans, payment deferrals, loan modifications, voluntary surrenders, and other retention or liquidation solutions • Communicate with borrowers about options, documentation, decisions, expectations, and next steps • Follow up consistently to move files toward timely resolution • Escalate complex borrower situations and exceptions to leadership, Compliance, Legal, or servicing resources • Serve as subject matter expert for the Loss Mitigation program and borrower assistance processes • Build and formalize a scalable Loss Mitigation operating model • Develop, document, implement, and improve procedures, workflows, decision trees, documentation standards, and escalation paths • Identify operational gaps, inefficiencies, manual processes, and risks and recommend solutions • Establish processes for intake, financial review, eligibility determination, approval, documentation, execution, monitoring, and completion • Partner with leadership to define roles, responsibilities, service-level expectations, and handoffs • Develop and maintain reporting on pipeline activity, aging, approvals, denials, resolutions, borrower outcomes, and trends • Monitor portfolio and pipeline performance to identify bottlenecks and improvement opportunities • Assist with KPIs and performance expectations • Perform account and data analysis for operational decisions and program enhancements • Establish quality assurance and control processes • Ensure accurate and timely documentation in servicing systems • Partner with Compliance and Legal on regulatory, investor, bankruptcy, and internal requirements • Collaborate with Collections, Customer Service, Bankruptcy, Legal, Underwriting, and servicing teams • Develop training materials, job aids, procedures, and internal resources • Support onboarding and development of future Loss Mitigation team members

🎯 Anforderungen

• Minimum of three years of mortgage servicing experience • Three to five years of direct Loss Mitigation experience, including borrower hardship evaluation and recommendation or administration of workout solutions • Three to five years of collections experience, preferably in mortgage servicing, manufactured housing finance, or consumer lending • Understanding of hardship letters, income documentation, bank statements, pay stubs, and financial statements • Strong knowledge of mortgage servicing, default servicing, delinquency management, bankruptcy processes, and loss mitigation workflows • Ability to manage an active pipeline while balancing priorities, deadlines, borrower needs, and operational requirements • Experience developing, improving, or documenting operational processes and procedures • Strong analytical and problem-solving abilities • Strong Microsoft Excel skills, including filtering, sorting, pivot tables, lookups, data analysis, and large datasets • Excellent written and verbal communication skills for sensitive and complex borrower conversations • Exceptional attention to detail and accurate documentation • Ability to work independently, exercise sound judgment, and own initiatives through implementation • Manufactured housing and/or chattel loan servicing experience strongly preferred • Five or more years in manufactured housing, chattel lending, mortgage default servicing, or related servicing environment preferred • Experience with FICS or comparable loan servicing platform preferred • Experience interpreting investor-specific loss mitigation and servicing requirements preferred • Familiarity with CFPB servicing requirements and consumer financial regulations preferred • Experience establishing or enhancing Loss Mitigation, Default Servicing, or borrower assistance functions preferred • Experience with operational reporting, dashboards, quality controls, or workflow improvements preferred • Experience with system implementations, process automation, or servicing technology enhancements preferred • Bilingual English/Spanish skills are a plus • Must reside in one of the eligible U.S. states listed in the posting • Employment eligibility will be confirmed through E-Verify

🏖️ Vorteile

• Competitive salary with potential for annual bonuses and variable pay, depending on skills and experience • Equity in the company for all employees • Remote work and work-from-home flexibility in a remote-first environment • Medical, dental, and vision insurance • Company-subsidized short-term disability, long-term disability, and life insurance for employees and families • Medical and dependent care flexible spending accounts • Training and licensing support • Generous paid time off • Wellbeing resources through Sequoia Wellbeing Programs, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, and Ladder • Paid parental leave • No Meeting Wednesdays • Career growth and promotion-from-within opportunities • Collaborative, supportive, diverse, and inclusive culture • Guidance, mentorship, and support from approachable leadership • Opportunity to contribute to a growing team and mission-driven affordable housing business • Innovative work in the manufactured housing market • Meaningful impact helping make housing more affordable