Loss Mitigation Team Leader

2 weeks ago

San Diego, California, United States Guild Full time
Guild Mortgage Company has been a trusted name in mortgage banking since 1960, committed to providing exceptional service to homeowners and buyers. Our mission is to offer accessible home financing solutions while maintaining the highest standards of professionalism in the lending sector.

Position Overview

The Loss Mitigation Supervisor is a key position within our organization, responsible for managing various activities associated with the Loss Mitigation department. This role involves overseeing the daily performance of team members and ensuring the efficiency of the Loss Mitigation processes. The Supervisor will lead staff, establish objectives, and delegate tasks relevant to their areas of expertise. Additionally, this position ensures that loss mitigation evaluations and procedures are executed promptly, accurately, and in accordance with established guidelines and regulations at the investor, company, state, and federal levels.

Key Responsibilities
  • Track performance metrics to enhance productivity, efficiency, and compliance within the supervised areas.
  • Recruit, train, mentor, and manage team members, including handling disciplinary actions when necessary.
  • Conduct quality control and audit assessments on loans to verify adherence to established standards and regulatory requirements.
  • Provide guidance and recognition to team members regarding FHA insured loan workouts, ensuring sound business decisions are made in underwriting modifications and account reconciliations.
  • Evaluate denied cases and propose viable alternatives.
  • Analyze escalated accounts for compliance with modification program guidelines.
  • Engage in discussions with clients and homeowners regarding loss mitigation issues.
  • Prepare weekly productivity reports and updates, addressing action items to facilitate timely progression of loss mitigation cases.
  • Review files for internal and external audits, responding to findings with formal replies and ensuring resolution of identified issues.
  • Manage inventory in compliance with all relevant regulations and guidelines.
  • Develop and deliver training programs that reflect changes and updates in investor rules, compliance criteria, and best practices.
  • Lead departmental projects aimed at improving current processes and implementing new procedures.
  • Exhibit professionalism and patience in all interactions with consumers through various communication channels.
  • Verify the accuracy of FHA Waterfall Calculations and ensure appropriate loss mitigation options are communicated to borrowers.
  • Oversee the loss mitigation general ledger, reviewing invoices submitted by specialists and reconciling payments.
  • Perform additional duties as assigned.
Qualifications
  • High school diploma required; some college or technical training preferred; Bachelor's degree in Finance, Business, or a related field is advantageous, along with seven or more years of experience in mortgage default, loss mitigation, and short sales, including at least two years in a supervisory role.
  • In-depth knowledge of conventional and government mortgage loan documentation, including processes, standards, compliance, and regulatory requirements.
  • Familiarity with Standard Operating Procedures, CFPB, FCRA, and FDCPA is preferred.
  • Strong interpersonal and problem-solving abilities.
  • Highly organized and detail-oriented, with the capacity to thrive in a fast-paced, metrics-driven environment.
  • Advanced mathematical skills are essential.
  • Proficient in basic internet research, data entry, and Microsoft Office applications.
  • Experience with document retention software, preferably Blitzdoc.
  • 10-key proficiency by touch is strongly preferred.
Supervision

Direct Reports:

Number:

Job Titles:

3-5

Loss Mitigation Specialist

Indirect Reports:

0
  • General supervision required, depending on experience level.
  • High level of independent judgment and decision-making.
  • Ability to manage multiple priorities in a deadline-driven environment, demonstrating urgency and responsiveness.
  • Excellent verbal and written communication skills.
  • Strong attention to detail and organizational skills.
  • Ability to mentor and train less experienced team members, addressing inquiries and building capabilities.
  • Travel: 0%.
Requirements
  • Physical: Primarily sedentary work; occasional walking and standing.
  • Manual Dexterity: Frequent use of computer keyboard and mouse.
  • Audio/Visual: Ability to accurately interpret sounds and visual information in a standard office environment.
  • Environmental: Office setting with no significant exposure to adverse conditions.
Guild offers a supportive work environment, competitive compensation, and a comprehensive benefits package, including medical, dental, vision, life insurance, AD&D, LTD, and a 401(k) plan with employer matching.

Guild Mortgage Company is an Equal Opportunity Employer.

Targeted Salary Range: $52,710.00 to $75,000.00 annually

Compensation at Guild is influenced by various factors, including local and federal minimum wage requirements, education, experience level, and geographical location.

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