Loss Mitigation Specialist

🕒 il y a 29 jours

🌵 Arizona, Connecticut, +21 états de plus – Distant

🌵 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

⏰ Temps Plein

🟡 Intermédiaire

🟠 Senior

👻 Score fantôme 10%

Ce que ça veut dire : la probabilité que cette offre reste ouverte sans recrutement actif.Comment le lire : 60 % ou plus, on pense que c'est une offre fantôme. Un score plus bas est moins inquiétant.Comment on la calcule : ancienneté, republications, postes ouverts vs taille de l'équipe, rapidité de clôture, et si le salaire est indiqué.À noter : une estimation à partir de données publiques, pas un jugement sur l'entreprise. De vraies offres peuvent avoir un score élevé, alors prenez-le comme un indice, pas comme un fait.

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Zippy

Site WebLinkedInTous les Emplois

51 - 200 employés

🛡️ Assurance

💸 Finance

💳 Fintech

Insurance • Finance • Fintech

Zippy est une entreprise spécialisée dans la fourniture de prêts immobiliers, la gestion de prêts, les services d'assurance et les solutions technologiques liées aux prêts. Zippy Loans, LLC est un prêteur direct offrant des taux de prêt compétitifs et des options pour les maisons neuves et d'occasion, avec un processus de prêt entièrement en ligne. L'entreprise met l'accent sur une approche moderne du prêt, rendant le processus simple et accessible sans la nécessité de se rendre dans une banque. Zippy propose également des services d'assurance par l'intermédiaire de sa filiale Zippy Insurance Services, LLC. Avec un engagement à soutenir les clients tout au long de leur parcours de prêt, Zippy vise à aider les individus à réaliser leurs rêves de propriété. Zippy est une famille d'entreprises, comprenant Zippy Loans, LLC, Zippy Loan Servicing, LLC, Zippy Insurance Services, LLC et Zippy Technology, LLC.

Description

• 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

🎯 Exigences

• 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

🏖️ Avantages

• 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