Home Mortgage Pre Foreclosure Specialist - Citizens

Description


As the Pre-Referral Specialist, you will monitor delinquent loans and prepare the loan to refer to foreclosure to ensure compliance with all investor, guarantor, insurer, state and federal guidelines/timeframes are adhered to.



Primary responsibilities include





+ The Pre-Referral Specialist role is responsible for preparing delinquent loans for referral to foreclosure counsel.



+ Responsible for managing FHA, USDA & VA loans and strongly aware of all investor requirements to ensure timelines & policies are strictly adhered to including 1st legal deadlines.



+ A thorough understanding of original mortgage documents, including but not limited to the Note, Mortgage, Deed, POA, title insurance and appraisals, is essential.



+ Interact with Loss Mitigation & Bankruptcy departments to ensure proper steps are adhered to ensure borrowers are not active Military, filed Bankruptcy or seeking Loss Mitigation assistance.



+ The processor should understand the difference between a Breach, Notice of Intent, Demand and Statutory letters to ensure the correct letter(s) have been sent to all proper parties.



+ Send and receive original collateral files with foreclosure counsel



+ Confirm all investor requirements were met prior to commencing the foreclosure action.



+ Review daily reports to ensure investor/insurer guidelines are met timely with respect to breach letters, referrals and foreclosure hold statuses.



+ Demonstrate working knowledge and understanding of all default, breach, and state specific notices. Review loans to ensure all state and insurer mandated communications have been sent to all interested parties.





Qualifications, Education, Certifications and/or Other Professional Credentials





+ MSP/LPS - Black Knight/ICE



+ 3-5 years of mortgage servicing experience



+ 1-2 years foreclosure experience



+ Candidate should have strong time-management skills, including the ability to effectively prioritize work assignments, be detail oriented and self-motivated.



+ Superior ability to multi-task and to function efficiently in a high volume, fast paced deadline-oriented environment.



+ Solid knowledge MS Excel



+ Solid knowledge of MS Word



+ Solid knowledge of FHA, USDA & VA guidelines





Hours & Work Schedule





+ Hours per Week: 40



+ Work Schedule: 8-5



+ Glen Allen, VA - Hybrid





Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.



Equal Employment Opportunity


At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.


Equal Employment and Opportunity Employer


Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.


Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth







Background Check



Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

11/29/2024