Loss Mitigation Specialist – Foreclosure Referrals

Job not on LinkedIn

🔥 3 minutes ago

🇺🇸 United States – Remote

💵 $23 - $27 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 0%

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Guild Mortgage

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1960

🏗️ Construction

💸 Finance

🏠 Real Estate

Construction • Finance • Real Estate

Guild Mortgage is a U. S. -based mortgage lender and loan servicer that provides a wide range of home financing products and services to consumers and business partners. The company offers purchase and refinance mortgages, including conventional, FHA, VA, USDA, jumbo, renovation, construction, reverse mortgages, HELOCs, and specialty programs and down-payment assistance. Guild Mortgage operates nationwide through local branches and loan officers, supports borrowers with servicing and online account management, and partners with builders, real estate agents, title agents, and correspondents.

📋 Description

• Provide foreclosure recommendation filing based on review of delinquent loan population reports • Audit foreclosure recommendation files for CFPB, State and Investor regulatory compliance • Prepare and mail regulatory letters and update system information • Request and manage original documents to prepare foreclosure referral virtual files • Follow up on outstanding issues to complete foreclosure referral decisions timely and compliantly • Identify applicable options and communicate updates to managers, teammates, and borrowers • Maintain regular borrower communications by phone, email, and mail • Explore, analyze, and respond to borrower issues and concerns • Provide accurate information to resolve issues and promptly follow up on commitments • Prepare call notes and written documentation to update customer files • Communicate with individuals and teams to ensure timely issue resolution • Assist with internal and external audits and compile investor pre- and post-findings, including CFPB • Participate in projects to improve foreclosure referral performance and processes • Monitor industry regulation changes and recommend policy, procedure, and system updates • Maintain and update the procedure manual for investor and regulatory compliance • Analyze problems and make recommendations using sound judgment and experience • Perform other duties as assigned

🎯 Requirements

• High school diploma or equivalent required • Three or more years total back office mortgage servicing experience required • At least two years working in loss mitigation roles emphasizing home retention for FHA and VHA borrowers • Strong working knowledge of FNMA, FHLMC, FHA and VA mortgage loan documents, including processes, inter-relationships, standards, requirements, terminology, compliance and regulatory requirements • Knowledge of federal debt collection laws, Federal Bankruptcy Laws, and proper handling of other legal situations • Ability to work with CFPB, FCRA and FDCPA requirements • Strong interpersonal and problem-solving skills • Highly organized and detail oriented • Ability to work in a fast-paced, department-metrics-driven environment • Intermediate math skills • Proficiency with basic internet searches, data entry, Microsoft Word, Excel and Outlook • Familiarity with document retention software; Blitzdoc preferred • 10-key by touch strongly preferred • Moderate level of independent judgment and decision-making • Frequent contact with borrowers • College courses or a Bachelor’s degree in Finance, Business or a related field preferred

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • AD&D insurance • LTD insurance • 401(k) with employer match • Pleasant work environment • Competitive compensation