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Mortgage Servicing Default Specialist I

2 months ago

Alpha, United States Wright-Patt Credit Union Full time
Job Description

myCUmortgage is hiring a Mortgage Servicing Default Specialist I

This position is highly specialized and responsible for conducting financial analyses maximizing home ownership retention outcomes for members. When home ownership retention is not feasible the position is responsible for assisting members with voluntary and involuntary liquidation options and coordinating those activities with attorney firms and court jurisdictions. These activities are completed with special emphasis on five-star member and partner service while minimizing the losses to myCUmortgage, its partner credit unions, and their members and adhering to regulatory, investor, insurer, and guarantor guidelines.

Major activities will vary depending on area of specialty.

Collections
  • Contacts members with mortgage loans by phone, mail or email to determine reasons for delinquency and to apply company and industry regulations, federal, state, agency, and accepted collection techniques to bring accounts current. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (45%)
  • Educates members / partners on all workout options for mortgage loans that are delinquent, in order to bring the loan current, following investor, insurer, and guarantor collection / loss mitigation guidelines. (25%)
  • Establishes repayment plans/promises and track plans/promises to confirm adherence to the agreement. (15%)
  • Interprets and documents information from various sources within the company's servicing system in accordance with federal, state, investor, insurer, and guarantor guidelines. (10%)
  • Assists in training other staff members. (5%)
Loss Mitigation
  • Corresponds with members verbally and/or in writing to obtain financial information and documentation on delinquent loans and to discuss loss mitigation options. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (25%)
  • Analyzes members' financial information and loan demographics and determines whether foreclosure avoidance options are feasible based on investor, insurer, and guarantor guidelines. (25%)
  • Monitors member obligations such as making trial plan payments or getting the home in broom swept condition and then prepares documents necessary such as modification or deed in lieu agreements to avoid the foreclosure actions. (25%)
  • Corresponds verbally and/or in writing with members and investors, insurers, and guarantors the current statuses, decisions, timelines, and member obligations. (15%)
  • Updates MSP system with status and interface with other servicing departments regarding status of the loan. (10%)
Foreclosure
  • Monitors of accounts and attorney performance during the foreclosure process to ensure all timelines have been met by the attorneys representing myCUmortgage. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (35%)
  • Ensures all new foreclosures are set up properly on the servicing system. (20%)
  • Provides upon request the attorney with accurate foreclosure figures, including reinstatement, payoff, and assumption figures which will be provided to external parties by the attorney. In addition, provide the attorney with accurately executed documents as requested. (15%)
  • Manages foreclosure proceedings on assigned cases by interacting and instructing various parties such as mortgagors, attorneys, investors, insurers, realtors, appraisers and any other party involved with the foreclosure. (15%)
  • Prepares bidding instructions and processes all foreclosure sale results, ensuring compliance with investor, insurer, and guarantor guidelines. (15%)
Bankruptcy
  • Ensures new bankruptcy filings are set up properly on the servicing system. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (20%)
  • Performs Plan Reviews and prepares and files accurate proof of claims on Chapter 13 and all Chapter 7 Asset cases with the bankruptcy districts. (20%)
  • Monitors accounts during the bankruptcy process to ensure all documents have been received by the bankruptcy districts and the proper application of all payments received for Pre and Post-petition payments. (15%)
  • Orders escrow analysis to prepare Payment Change Notice on all Chapter 13 cases. (15%)
  • Works with attorneys to prepare payment histories and Motion for Relief documents along with all requests for bankruptcy related documents. (15%)
  • Performs final review of all cases prior to removing from bankruptcy status which includes reconciling with Trustee's ledger and Final Notice of Cure document returned to bankruptcy district Trustee in the allotted timeframe. (10%)
  • Coordinates with members going through the bankruptcy process who are interested in reaffirmation of their debt. (5%)
Property Preservation
  • Manages vacant and owned properties to ensure properties are secure and winterized (as applicable). Manage and approve utilities on REO properties. Notify hazard insurance department that vacancy coverage is needed. Coordinate with vendor to obtain investor approval for and authorize the work. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (20%)
  • Refers REO properties that are newly acquired (as a result of Foreclosure of Deed in Lieu of Foreclosure) to the national REO vendor, and coordinate the listing and sale of each REO property. Direct application of sales proceeds, and notify relevant departments of each sale. (20%)
  • Provides investor with a final accounting of profit or loss on each REO property after final sales proceeds and any claim proceeds have been received. Request company charge-off if indicated. (20%)
  • Orders property inspections on every mortgage that is more than 30 days past due (including Foreclosures) and Real Estate Owned (REO) by virtue of a Foreclosure. Receive inspection results and ensure that they are properly recorded in the servicing system (MSP). (10%)
  • Interacts and coordinates with internal departments at least monthly to provide status of property, as well as with partner credit unions, investors, and attorneys, and as changes occur with the property status that could affect the process of servicing the Default or REO disposition. (10%)
  • Reviews and recommends approval for vendor invoices for property inspection and preservation or restoration work. (10%)
  • Updates MSP system with status and interface with other servicing departments regarding status of the loan. (10%)
Claims
  • Prepares and file all investor, insurer, and guarantor claims timely and accurately according to investor / insurer guidelines and requirements. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (45%)
  • Performs final review of all cases and reconciles the claim money received versus with loan information and all bills and expenses. Produces the final loss analysis of the account upon completion of all claim activity. (20%)
  • Processes all default related invoices and ensures the expenses are booked to the appropriate member recoverable, third party recoverable, or non-recoverable accounts. (15%)
  • Gathers and review all loan documentation, ledger activity and timelines for each claim prior to filing. (10%)
  • Prepares and file supplemental claims as needed. (5%)
  • Audits all loss mitigation and foreclosure expenses that are to be included in foreclosure reinstatements, loss mitigation repayment plans, and loss mitigation modifications. (5%)
Required Skills
  • High school diploma required; College degree preferred.
  • Understanding of the applicable laws and regulations pertaining to mortgage default servicing with specialization in collection, loss mitigation, foreclosure, bankruptcy, property preservation, claims or real-estate owned loans.
  • Understanding of servicing guidelines for Fannie Mar, Freddie Mac, Ginnie Mae, FHA, USDA, VA, Federal Home Loan Bank and other investors, insurers, and guarantors.
  • At least 2 - 5 years' experience in mortgage default servicing functions.
  • Excellent oral and written communication skills are required.
  • Strong organizational and follow up skills are required.
  • Ability to learn complex or sophisticated concepts and apply them appropriately is required.
  • Prior experience with mortgage default servicing using MSP is preferred.
  • Strong emotional intelligence required to empathize with members circumstances.
  • Excellent financial analysis skills required.