Senior Mortgage Workout Analyst | Risk & Loss Mitigation

Jobtailor; Miamisburg (OH); On-site; USD 60,000 - 78,000; Full time

Job summary

Jobtailor seeks a seasoned credit underwriting professional in the United States to review customers' income and expenses for high-risk groups, assess hardship legitimacy, and determine suitable workout options. You will apply MSP, LSS, SMDU, FHLMC Resolve, and FNMA LMS tools to ensure compliance with bank and investor guidelines and to document outcomes.

As a mentor to teammates, you will help minimize bank losses while balancing risk, accuracy, and adherence to existing policies and

Qualifications

• Associates or equivalent degree, or comparable combination of education, job-specific certification(s), and experience.
• Typically 4+ years of related business or functional experience.
• Attention to detail.
• Experience with MSP, LSS, SMDU, FHLMC Resolve, and/or FNMA LMS/SMDU decisioning tools.
• Credit underwriting experience, including calculating income and expenses, strongly preferred.
• Experience in loss mitigation or mortgage default.
• Knowledge of credit processes and credit analysis and verification.
• Knowledge of bank, investor, and regulatory guidelines.
• Ability to assess risk and manage multiple priorities.
• No employment visa sponsorship or STEM OPT participation.

Responsibilities

• Review customers' income and expenses for complex, high-risk customer groups.
• Determine hardship legitimacy and available workout options based on bank and investor guidelines.
• Assess customer qualifications to facilitate appropriate action and minimize bank losses.
• Review bank, investor, and regulatory guidelines to ensure accounts are serviced according to policy.
• Work with internal business partners to gather information and clarify inconsistent, incorrect, or missing information.
• Monitor assigned work queues and workflows to ensure goals are met.
• Use online systems to accurately document customer account information.
• Serve as a subject matter resource and mentor for the team.

Skills

Credit Underwriting

Loss Mitigation

Mortgage Default

Risk Assessment

Attention to Detail

Mentoring

Collaboration

Education

Associates Degree

Job-Specific Certifications

Tools

MSP

LSS

SMDU

FHLMC Resolve

FNMA LMS

Job description

Jobtailor seeks a seasoned credit underwriting professional in the United States to review customers' income and expenses for high-risk groups, assess hardship legitimacy, and determine suitable workout options. You will apply MSP, LSS, SMDU, FHLMC Resolve, and FNMA LMS tools to ensure compliance with bank and investor guidelines and to document outcomes.

As a mentor to teammates, you will help minimize bank losses while balancing risk, accuracy, and adherence to existing policies and