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Sunflower Bank Mortgage Lending · 10 hours ago

Mortgage Foreclosure & Bankruptcy Specialist

Scottsdale,AZ,US

Full-time

Hybrid

Mid Level

Sunflower Bank Mortgage Lending is looking for an energetic, self-motivated individual to fill the full-time position of Mortgage Foreclosure & Bankruptcy Specialist at their Scottsdale, AZ location. The role requires managing both the foreclosure and bankruptcy processes, ensuring compliance with investor guidelines, and providing exceptional communication and customer service.

FinanceFinancial ServicesLending

Responsibilities

Monitors foreclosure & bankruptcy actions to ensure full compliance with investor guidelines, with heavy emphasis on Fannie Mae, Freddie Mac, FHA, VA and USDA protocols along with state/federal regulatory guidelines

Understands the different legal processes (judicial vs. non-judicial) to foreclose in our various states

Maintains foreclosure caseload and works all tasks, processes, events, issues, re-projections and holds are updated within the required deadlines

Provides clear verbal/written communication and timely responses with attorneys, trustees and investors

Manages vendor and attorney networks

Monitors and manages foreclosure & bankruptcy exception reports

Completes special projects on an as needed basis

Provides assistance to management in audits and loan level reviews

Coordinates with other departments to minimize losses and mitigate risk

Identifies quality compliance issues as they arise and provides the appropriate feedback to management

Coaches and provides on the job training for new hire peers within the foreclosure & bankruptcy department

Understands mortgage loan servicing and the default, foreclosure, bankruptcy and loss mitigation processes

Provide support to local and outside counsel to review and comment on court documents, assist in resolution of litigation matters and attorney inquiries, and consult with counsel on escalated borrower issues received by management

Coordinate and attend depositions, mediations, and trial date appearances with counsel

Promptly refer bankruptcy loans to the outside counsel to initiate the filing of a proof of claim, objection to plan, motion for relief, transfer of claims, and other bankruptcy-related actions

Verify/research borrower payment history and resolves payment posting discrepancies (i.e. Ledger Balancing) and ensure the company's system of record is updated accordingly

Maintains bankruptcy caseload and works all tasks, processes, events, issues, re-projections and holds are updated within the required deadlines

Perform other related duties as required and assigned

Demonstrate behaviors which are aligned with the organization’s desired culture and values

Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company

Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines

Understand and participate in the Bank’s Community Reinvestment Act program

Qualification

Foreclosure experienceBankruptcy experienceRegulatory compliance knowledgeMSP loan servicing systemPACER proficiencyCustomer serviceInternet researchCommunication skillsOrganizational skillsAttention to detail

Required

Experience working in foreclosure and bankruptcy, and state/federal regulatory guidelines

Understands the different legal processes (judicial vs. non-judicial) to foreclose in our various states

Ability to communicate courteously and effectively with borrower, clients, attorneys, other internal employees, and outside parties

Excellent verbal and written communication skills, committed to providing exceptional customer service

The individual must have the experience and knowledge to manage both the foreclosure and bankruptcy processes in a 'cradle to grave' format