Director – Loss Mitigation, Mortgage

🔥 20 hours ago

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

👔 Director

👻 Ghost score 10%

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• Open for 1 day.
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EPM

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2008

💸 Finance

🏠 Real Estate

🤝 B2B

Finance • Real Estate • B2B

EPM is Equity Prime Mortgage (EPM), a wholesale mortgage lender and broker partner offering a full array of mortgage products and services to mortgage brokers and correspondent partners. EPM provides loan origination, underwriting, processing, a lock desk, partner portals (EPMX), and works with appraisal and title vendors to speed closings. The company emphasizes fast turn times and B2B relationships, is licensed in multiple U. S. states, and positions itself as an all‑in‑one partner for brokered residential lending.

📋 Description

• Oversee the review and underwriting of loans in loss mitigation, ensuring compliance with FHA, VA, USDA, FNMA, FHLMC, and company guidelines • Develop, implement, and maintain department policies, procedures, and best practices • Monitor team performance, workload, and turnaround times • Ensure timely decision-making and adherence to investor and regulatory timelines • Serve as the escalation point for complex or high-risk loss mitigation cases • Provide expert guidance and decision support • Collaborate with Servicing, Collections, Legal, and other departments • Track and report department metrics, including loan volumes, approval rates, and turnaround times, to executive leadership • Ensure team members receive ongoing training and development • Maintain up-to-date knowledge of industry trends, regulatory changes, and loss mitigation best practices • Perform additional responsibilities assigned due to business needs

🎯 Requirements

• High school diploma required; college degree preferred • 10+ years of mortgage underwriting experience required, preferably within a wholesale lending environment • 3+ years management experience • Recent experience in loss mitigation preferred • Must hold a Direct Endorsement (DE) designation for FHA loans • Deep knowledge of home loans, residential mortgages, and loss mitigation processes, including conventional, VA, FHA, USDA, Non-QM loans, and investor guidelines • Expert understanding of compliance standards, including federal regulations such as RESPA, TILA, and Dodd-Frank, and company policies • Proven leadership and management skills with the ability to mentor, motivate, and develop team members • Strong decision-making, analytical, and problem-solving skills, particularly in complex loss mitigation scenarios • Excellent communication and interpersonal skills for collaborating with internal teams, executive leadership, and borrowers when necessary • Technologically proficient and able to implement new tools or processes to improve efficiency and compliance • Proficiency with Encompass LOS required • Ability to manage high volumes of work while maintaining accuracy and regulatory compliance

🏖️ Benefits

• Operational support, technology, and tools to work efficiently • Collaborative culture rooted in radical candor and innovation • Ongoing training and development • Equal opportunity and inclusive work environment

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