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Habitat for Humanity International · 1 hour ago

Mortgage Manager

Knoxville, TN

Full-time

Onsite

Mid Level

Habitat for Humanity International is dedicated to affordable housing, and they are seeking a Mortgage Manager to service homeowner mortgage accounts. The role involves managing mortgage accounts, processing payments, and implementing loss mitigation policies while ensuring compliance with ethical practices and laws.

ConstructionHomeless ShelterNon ProfitResidential

Responsibilities

Manages all mortgage accounts

Processes monthly payments

Collaborates with Chief Financial Officer on monthly reconciliations

Executes loss mitigation and foreclosure prevention policies with homeowners facing issues such as delinquency, refinancing, bankruptcy, and foreclosures

Monitors loss-mitigation payments to ensure terms are followed

Reports status of mortgages to internal and external stakeholders

Coordinates with Family Services Department to implement delinquency policies

Ensures confidentiality of records and borrower’s information

Administers mortgage escrow accounts. Ensures property taxes, HOA fees, homeowners’ insurance, forced placed insurance, escrow refunds, and escrow vendor payments, are paid on time. Monitors escrow shortages, insurance claims, and performs escrow analysis on a regular basis

Initiates foreclosure proceedings with affiliate attorney (with the support of Director of Family Services)

Notifies affiliate attorney of bankruptcy filings

Reports homeowner payment history to Credit Reporting Bureau monthly

Demonstrates commitment and strict adherence to best ethical practices and laws such as, but not limited to Fair Housing Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act

Maintains files in accordance with record retention policies such as: Mortgage Statements, Late fee letters

Administers FICS mortgage software environment and eStatus client portal

Coordinates software updates

Creates and maintains custom reports

Supports annual audits by preparing the following items: Mortgage balance listing, Annual FICS reconciliation, Mortgage confirmation letters, Mortgage aging stats, Other data and information as requested by auditors

Habitat for Humanity International Loan Origination

Tennessee Mortgage Loan Originator Training

Annual Credit Reporting Training

Qualification

Mortgage ServicingFICS mortgage softwareAccountingFinanceQuickBooks EnterpriseMicrosoft OfficeTask managementCommunication skillsTeamworkConfidentiality

Required

A commitment to Knoxville Habitat for Humanity's vision of affordable housing for everyone

Ability to work in a team environment and creatively address challenges

Bachelor's degree in accounting or finance or equivalent practical experience that provides candidate with requisite knowledge skills and abilities

Proficient with Microsoft Office

Excellent oral and written communication skills and the ability to communicate with people of diverse backgrounds

Ability to manage and prioritize multiple tasks

Ability to manage detailed information, records, and maintain confidentiality must be able to meet the minimum requirements to maintain a Qualified Loan Originator certification