Job description
Value Proposition:
Responsible for the default process handling of first mortgage liens and consumer accounts. Requires knowledge of Consumer Financial Protection Bureau mortgage servicing rules, all investor and Government Sponsored Enterprise guidelines. Assist borrower's in default starting at 45-days delinquent throughout the process of collections, loss mitigation, foreclosure and bankruptcy. Make daily early intervention outbound calls, handle all incoming calls and questions on the default process. Handle deactivation process of reinstated accounts. Responsibilities:
Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.
Overview:
Responsible for the default process handling of first mortgage liens and consumer accounts. Requires knowledge of Consumer Financial Protection Bureau mortgage servicing rules, all investor and Government Sponsored Enterprise guidelines. Assist borrower's in default starting at 45-days delinquent throughout the process of collections, loss mitigation, foreclosure and bankruptcy. Make daily early intervention outbound calls, handle all incoming calls and questions on the default process. Handle deactivation process of reinstated accounts.
- Make outbound calls between the 25-36 day of delinquency to explain foreclosure alternative workout programs and obtain reason for default. Advise customers of their responsibilities under loan contracts, and provide employee counseling on acceptable and convenient payment arrangements that are available.
- Handle incoming calls from borrower’s who have questions on their default process and how to reinstate or payoff the account to resolve the delinquency.
- To mediate conflicts on the behalf of the borrower between the default areas. Ensure that delinquent and current accounts are assigned and de-assigned correctly.
Education
High School Diploma or equivalent. (Required)
Experience
2 or more years customer service experience to include excellent phone skills and ability to speak professionally with customers. (Required)
2 or more years default or collection experience. (Preferred)
: This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Sponsorship Statement : As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future. EEO Statement : Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.
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