Deficiency Recovery Specialist

Clayton Homes; United States; Hybride; USD 58 425 000 - 62 323 000; Plein temps

Avantages offerts par ce poste

Wellness programs that focus on well‑b

Professional development

Résumé du poste

Vanderbilt Mortgage and Finance, Inc. is hiring a Recovery Specialist (Non-LO-Servicing) to manage a nationwide portfolio of VMF originated loans and other serviced loans.

The role focuses on collecting deficiency balances after charge-offs, foreclosures, or repossessions, while adhering to policies and state/federal regulations. The position reports to the Recovery Team Lead in Default Servicing and offers a hybrid work schedule with a pay range of $20.39–$21.75 per hour plus a secured bonus

Qualifications

• High School diploma or equivalent required.
• Minimum 1-2 years related experience.
• Working knowledge of credit reporting and how that pertains to post foreclosure/repossession balances.
• Basic understanding of Microsoft Office.
• Ability to communicate effectively and efficiently via phone, email, and person-to-person.
• Capable of gathering facts accurately, analyze causes, evaluate alternate solutions, and arriving at sound conclusions on action to be taken.
• Ability to manage multiple and/or conflicting responsibilities.
• Great attention to detail, organizational skills, and time management.

Responsabilités

• Account Management: Reviews servicing history of newly recovered loans, including repossessions, foreclosures, charge-offs, and consumer lending, to determine the best method to collect deficiency balances.
• Processes and issues explanation of deficiency letters to customers.
• Work with customers to discuss their financial obligations and negotiate repayment plans or settlements.
• Assists in customer data validation in system.
• Recommends timing for 1099C process as well as loan inactivation.
• Assists Non-Vanderbilt Customers in resolving title chain, UCC Filing, and Lien Issues.
• Provides information and answer customer questions on post repossession and foreclosure processes including: Credit reporting Deficiency resolutions 1099C’s.
• Assesses, manages, and updates monetary judgements in the system for all VMF owned loans obtained by the legal department.
• Legal Actions: Recommends judgements and wage garnishments when applicable.
• Assesses, handles, and renews monetary judgements obtained by legal department on all VMF owned loans.
• Recommends foreclosure action when applicable in accordance with federal and state regulations.
• Operational Support: Assists in keeping all policies and procedures up to date for the Recovery Department.
• Assists in reading and analyzing new regulatory items and recommending policy changes when necessary.
• Other duties as assigned

Connaissances

Credit reporting

Communication

Microsoft Office

Time management

Teamwork

Formation

High School diploma or equivalent

Outils

Microsoft Office

Description du poste

Vanderbilt Mortgage and Finance, Inc. is hiring a Recovery Specialist (Non-LO-Servicing) to manage a nationwide portfolio of VMF originated loans and other serviced loans.

The role focuses on collecting deficiency balances after charge-offs, foreclosures, or repossessions, while adhering to policies and state/federal regulations. The position reports to the Recovery Team Lead in Default Servicing and offers a hybrid work schedule with a pay range of $20.39–$21.75 per hour plus a secured bonus