Loss Mitigation Specialist

4 settimane fa


Roma, Lazio, Italia Americu A tempo pieno

Job Summary: We are seeking a highly skilled Loss Mitigation Analyst to join our team at AmeriCU Credit Union. As a Loss Mitigation Analyst, you will be responsible for reviewing and underwriting modification requests from current members, mitigating risk in the Credit Union's portfolio, and ensuring compliance with Credit Union policies and regulatory requirements.

Key Responsibilities:

  • Analyze borrower's financial situation to determine the ability and intent to continue existing obligations.
  • Review and underwrite forbearance and modification requests for consumer, business, and real estate loans.
  • Verify borrower documentation, including income, employment, and credit history, as needed.
  • Review proposals from Credit Counseling Agencies, Collection Agencies, and Legal teams for settlements of loan obligations within assigned authority.
  • Prepare and maintain accurate records and documentation of all modification activities.
  • Communicate with internal team and borrowers to gather necessary information and explain modification decisions.
  • Provide guidance and support to members throughout the modification process with empathy and understanding, along with financial education.
  • Monitor existing forbearance and modification plans for continued signs of impairment.
  • Review requests and recommendations from sub-servicer for Loss Mitigation and advanced collection requests.

Requirements:

  • Strong analytical and problem-solving skills.
  • Excellent communication and interpersonal skills.
  • Ability to work in a fast-paced environment and meet deadlines.
  • Knowledge of credit union policies and regulatory requirements.

What We Offer:

  • Competitive rates on our Medical, Dental, and Vision plans.
  • Generous contribution to your Health Savings Account, if you choose to enroll in one of AmeriCU's High Deductible Health plans.
  • Paid Holidays.
  • Paid Time off.
  • Employee Appreciation Events.
  • 401(k) Matching after 1 year of employment.
  • Employee Assistance Program.
  • Tuition Reimbursement for Full-time employees after 1 year of employment.
  • Life Insurance & Accidental Death & Dismemberment Insurance, free to all Full-time employees.
  • Enhanced Short Term Disability – at no cost to you.


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