Strategic Delinquency & Foreclosure Specialist

Bradescobank; Coral Gables (FL); On-site; USD 70,000 - 100,000; Full time

Job summary

Bradesco BAC Florida Bank in Florida is seeking an experienced Loss Mitigation Analyst to administer delinquent and higher-risk residential and commercial credits under established procedures and leadership direction.

You will perform collections, maintain account records, monitor portfolio performance, coordinate foreclosure and recovery actions, and prepare factual reports while ensuring compliance with BSA/AML, Bank policies, and federal/state laws.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Three to five years of relevant banking, collections, servicing, loss mitigation, workout, foreclosure, recovery, or Special Assets experience.
• Strong Excel skills, including pivot tables, lookups, data validation, charts, and reconciliations; Power BI or comparable reporting-tool experience preferred.
• Excellent written and verbal English and Portuguese required; professional Spanish strongly preferred.

Responsibilities

• Manage assigned delinquent and foreclosure accounts, including borrower contacts, correspondence, payment follow-up, commitments, and next-action dates.
• Monitor delinquency, payment performance, maturities, covenants, collateral, legal status, and other signs of credit deterioration.
• Implement and track approved workouts, repayment plans, settlements, forbearance, modifications, foreclosures, liquidations, and recoveries.
• Coordinate legal and foreclosure milestones, sale dates, notices, referrals, expenses, post-sale actions, and OREO activity.
• Communicate with borrowers, guarantors, counsel, servicers, vendors, and internal teams; elevate decisions and exceptions appropriately.
• Prepare and reconcile dashboards and reports covering portfolio balances, activity, contacts, promises to pay, follow-up completion, delinquency migration, cures, recoveries, nonaccruals, charge-offs, pipeline timing, and aging.
• Investigate data-quality exceptions and provide concise factual commentary on matters requiring management follow-up.
• Maintain confidentiality, fair-treatment standards, regulatory compliance, and complete account documentation; support other reporting and departmental needs as assigned.

Skills

Strong communication

Analytical thinking

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics

Tools

Excel

Power BI

Job description

Bradesco BAC Florida Bank in Florida is seeking an experienced Loss Mitigation Analyst to administer delinquent and higher-risk residential and commercial credits under established procedures and leadership direction.

You will perform collections, maintain account records, monitor portfolio performance, coordinate foreclosure and recovery actions, and prepare factual reports while ensuring compliance with BSA/AML, Bank policies, and federal/state laws.