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Loss Mitigation Senior Rep - OM

Postuler REF: 044913

At Bank of the West, our people are having a positive impact on the world. We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.

Job Description Summary

Responsible for working directly with customers, realtors, investors, insurers, dealers (Auto RV & Marine) and other financial institutions to analyze situations when home mortgage or consumer loan obligations can no longer be met, and seeks alternative solutions to offer customers opportunities for loan modifications, short sales and settlements. Follows set guidelines and strategies to mitigate or eliminate loss primarily through completion of temporary or permanent loan modifications, short sales, negotiated payoff, or deed in lieu.

Essential Job Functions

  • Analyzes and understand customer’s financial status to determine if customers qualify for a loss mitigation option offered by the Bank. Perform thorough analysis of account status, credit history, property evaluation and senior liens to approve or deny requests for loan modifications, short sales or deed in lieu and settlements.
  • Corresponds with borrowers, attorneys, realtors, and dealers etc. to facilitate the loss mitigation programs offered by the Bank.
  • May be designated (or be part of) a single point of contact team for external communication with borrowers, realtors, attorneys, dealers etc. to provide assistance with all aspects of loss mitigation by following specific procedures and policies.
  • May evaluate and process claims to HUD via the internet in a timely and accurate manner. Monitors claim filings to verify receipt of funds. Follow up to resolve delays or disputes in payment of funds and ensures all deadlines are being met. Completes all default reporting requirements within established timeframes for each investor and insurer. This area is specific to Mortgage Banking.
Other Job Duties
  • Understands and adheres to the Fair Debt Collection Practice Act, Collection Laws, and Fair Credit Reporting Act.
  • Ensures compliance of loss mitigation procedures and goals set forth by management, investors and insurers.
  • Update daily/monthly management reports

Required Experience

 

  • Collection experience
  • 3 - 5 years consumer or mortgage banking
  • Ability to perform independently with a minimum of supervision
  • Requires practical knowledge of job area typically obtained through advanced education combined with experience
  • Excellent customer service skills that includes good verbal and written communication
  • Relationship building, collaboration and teamwork in a high volume environment
  • Problem Solving skills
  • Excellent written and verbal (via phone) communication
  • Good organizational skills
  • Excellent PC skills, including knowledge of MS Word, Excel, Access, and related software

Education

 

  • High School Diploma or GED Required

Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.


Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.

Primary Location: United States-Nebraska-OmahaJob Type: Full-timeJob: Collections / Commercial Workouts