Home Mortgage Loss Mitigation Back End Specialist

Citizens

Glen Allen (VA)

On-site

USD 35,000 - 40,000

Full time

14 days+

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Job summary

A financial services company is seeking a Home Mortgage Loss Mitigation Back End Specialist in Glen Allen, VA. The role involves managing borrower communications, coordinating with mortgage title companies, and ensuring compliance with various regulations. Ideal candidates will have at least 2 years of mortgage servicing experience and strong skills in communication and problem-solving. A supportive company culture focused on customer service and community involvement is emphasized.

Qualifications

Minimum 2 years of experience in mortgage servicing and default operations.
Knowledge of mortgage documents and title insurance.
Ability to manage multiple tasks in a time-sensitive environment.

Responsibilities

Manage borrower communication and documentation throughout the final stages of the loss mitigation process.
Track and monitor trial payment plans and ensure timely issuance of final modification or liquidation documents.
Ensure compliance with investor, insurer, and regulatory guidelines.

Skills

Communication skills

Critical thinking

Problem-solving skills

Microsoft Excel proficiency

Education

High School Diploma or equivalent

Bachelor’s degree (preferred)

Tools

MSP/Fidelity

ALS

Back in Black systems

Job description

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Description

This position requires close coordination with mortgage title companies, mobile notaries, and third-party vendors. The specialist may also engage directly with mortgage insurers (MI), government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and federal agencies including HUD, VA, and USDA.

Manage borrower communication and documentation throughout the final stages of the loss mitigation process.
Track and monitor trial payment plans and ensure timely issuance of final modification or liquidation documents.
Ensure internal and external systems are updated accurately based on approved program terms.
Coordinate with title companies, notaries, and vendors to facilitate document execution and closing.
Ensure compliance with investor, insurer, and regulatory guidelines.
Collaborate with internal teams to resolve issues and ensure a seamless customer experience.
Maintain accurate records and documentation in servicing systems.

Qualifications

Required:

High School Diploma or equivalent.
Minimum 2 years of experience in mortgage servicing and default operations.
Knowledge of mortgage documents, title insurance, and title vesting.
Familiarity with MSP/Fidelity, ALS, and Back in Black systems.
Strong understanding of CFPB, FDCPA, RESPA, ECOA, TCPA, SCRA, and UDAAP regulations.
Ability to manage multiple tasks in a time-sensitive environment.
Strong communication, critical thinking, and problem-solving skills.
Proficiency in Microsoft Office, especially Excel.

Preferred

Bachelor’s degree (preferred)
Experience working with GSEs and government insurers.

Hours and Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday in the Glen Allen, VA or Irving, TX office

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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