Mortgage Collection Representative 1

First National Bank of Pennsylvania; Pittsburgh (Allegheny County); On-site; USD 36,000 - 48,000; Full time

Job summary

First National Bank of Pennsylvania in Pittsburgh is seeking a Mortgage Collection Representative 1 in the Mortgage Administration unit. You will contact borrowers to collect on delinquent mortgage loans and maintain accurate system notations of all activity and promises to pay.

Responsibilities include skip-tracing when needed, meeting productivity targets, and ensuring compliance with FCRA, CFPB, SCRA, and GSE standards while handling misapplied payments and loan maintenance flags.

Qualifications

• High School or GED required.
• 1 year of related experience required.

Responsibilities

• Contact borrowers to collect on delinquent mortgage loans.
• Research loan documents and perform skip-tracing when needed.
• Achieve productivity and respond to inbound calls promptly.
• Document all attempts and conversations in bank systems.
• Maintain loan status flags for foreclosure or bankruptcy.
• Ensure compliance with FCRA, CFPB, SCRA and GSE standards.
• Assist with misapplied payments and transaction research.
• Perform other related duties as assigned.

Skills

Customer service

Communication skills

Organizational skills

Analytical skills

Interpersonal skills

Education

High School diploma or GED

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location:626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future.

Position Title: Mortgage Collection Representative 1

Business Unit: Mortgage Administration

Reports to: Supervisor of Default Servicing

Position Overview:

This position is primarily responsible for remediation of delinquent bank owned, Government Sponsored Enterprise (GSE) and Private Investor real estate secured accounts ensuring timely contact with borrowers, proper system notations of all attempts and borrower conversations.

Primary Responsibilities:

Attempts to contact borrowers utilizing effective human relation skills, to collect on delinquent mortgage loans, researches loan origination documentation and electronic file to determine other means of reaching the borrower and initiates skip-tracing efforts if warranted.

Achieves productivity goals as set by management. Calls/Contact/Promises along with response time to all inbound calls - achieving time to answer goals as set by management.

Ensures complete and concise notation on banks system of all attempts, conversations, promise to pay arrangements, alternate financial arrangements, letters mailed, payments received, maintenance requests, etc. and sets an appropriate follow-up date to ensure promise kept.

Ensures proper account maintenance is completed to comply with the FCRA, CFPB, SCRA, etc. and system data integrity to allow for accurate reporting required internally and externally for the FNMA and the FHLMC. Complies with all GSE standards to attempt contact every 5-7 days until right party contact (RPC) is achieved.

Reviews records and transactions, resolves misapplied payments, researches transactions, organizes and summarizes information and data accurately and timely for all portfolios.

Ensures proper loan maintenance to accurately flag loans such as foreclosure or bankruptcy, non-post, restricted, etc.Maintains proper ledger of all foreclosure related expenses and credits to ensure proper collection.

Complies with all policies, procedures and regulations.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

High School or GED

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

1

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent customer service skills

Excellent communication skills, both written and verbal

Excellent organizational, analytical and interpersonal skills

Ability to use general office equipment

Ability to use a personal computer and job-related software

MS Word - Basic Level

MS Excel - Basic Level

MS PowerPoint - Basic Level

Knowledge of laws that relate to foreclosure, repossession and fair debt.

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.