Senior Loss Mitigation Specialist

5 days ago

San Antonio, Texas, United States International Bank of Commerce Full time

Job Title: Senior Loss Mitigation Specialist

Job Summary:

The IBC Senior Loss Mitigation Specialist is responsible for reducing risk to IBC Mortgage by mitigating losses associated with the Portfolio, while ensuring compliance with all applicable internal policies and procedures, investor servicing requirements, banking laws and regulations, and applicable Federal and state laws. Serves as a subject matter expert for the department, collaborates with customers and works closely with attorneys and other professionals to resolve delinquency issues and minimize losses.

The ideal candidate will possess a We Do More attitude, strong work ethic, and customer service orientation. Excellent analytical and problem-solving skills, attention to detail, and ability to handle complex, multiple tasks simultaneously in a fast-paced environment are required. Proficiency in Math, especially calculating income, debt owed, loan to value ratios, & debt to income is essential.

Responsibilities:

  • Ensures appropriate procedures for all residential and consumer servicing functions in compliance with all applicable regulations and laws.
  • Responsible for analyzing existing processes to identify areas for operational efficiency using technology and automation.
  • Completes Monthly Investor Reporting.
  • Completes Ad hoc reporting requests.
  • Collaborates with Internal and External customers and vendors.
  • Assists with all Loss Mitigation related functions including Early Intervention, Default Prevention, Bankruptcy, Judgment, REO, and Foreclosure.
  • Completes maintenance to collection files, or transactional records.
  • Monitors Attorney timeline for foreclosure, judgment, and bankruptcy processes to ensure timely action, manages title issues and ensures proper controls and regulatory compliance.
  • Assists Loss Mitigation Manager in daily functions to help to reduce delinquencies and identifying and eliminating problem scenarios.
  • Serves as a leading example for other team members.
  • Assists with customer inquiries and requests through all means including the sub-servicer service request ticketing system to ensure prompt response.
  • Coordinates with the compliance department when required, gathering documents, and coordinating and responding to all requests.
  • Recommends ways to streamline processes for improvement to processing speed, quality, and efficiency.
  • Collaborates with the Loss Mitigation Manager in the development and maintenance of written operating procedures for all daily, monthly, quarterly, and yearly tasks. Ensures duties executed accurately and as scheduled, data quality on systems of record, and compliance with bank policy and laws and regulations.
  • Supports management with any internal/external loan system conversion. Develop policy and operational procedures for system integration, servicing requirements, operational enhancements, and problems/resolutions. Involved with the testing of new system enhancements or program changes.
  • Reviews/orders property inspections.
  • Orders Appraisal for 2nd Lien foreclosures.
  • Monitors and tracks REO process and communicate any changes to management.
  • Continually meets goals set up within the department.
  • Responsible for meeting legal requirements and following internal policies.
  • Plays integral role in helping in the management of the department to include oversight of operations and providing solutions to troubled borrowers and accounts.
  • Assists in training of new Processors.
  • Works as a team lead.
  • Performs other related duties as assigned.

Requirements:

  • Strong analytical and problem-solving skills and attention to detail.
  • Proficient in Mathematics especially calculating income, debt owed, loan to value ratios, & debt to income.
  • Ability to handle complex, multiple tasks simultaneously in a fast-paced environment.
  • Ability to work independently.
  • Customer Service (Call Center) experience Preferred.
  • Knowledge of FHA, FNMA, CFPB, VA loss mitigation guidelines preferred.
  • Basic data entry/analysis skills preferred.
  • Proficient in the use of Microsoft Office applications specifically Excel, Word, & Outlook.
  • Spanish Language preferred.
  • Foreclosures and bankruptcy experience required.
  • Excellent communication skills.
  • Strong attention to detail and accuracy.

Education:

  • High School diploma or equivalent work experience.
  • Bachelor's Degree preferred.
  • Five (5) years of Mortgage Servicing and Loss Mitigation related experience.
  • Spanish Speaker Preferred.

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