Strategic Mortgage Loss Mitigation Analyst

Suna Solutions; San Diego (CA); On-site; USD 30,000 - 33,000; Full time

Job summary

Suna Solutions is seeking a Loss Mitigation Underwriter in California to evaluate and underwrite loss mitigation applications for delinquent mortgage accounts. You will analyze borrower finances, determine appropriate solutions, and ensure compliance with investor guidelines and regulatory standards.

The role emphasizes strong analytical skills, risk assessment, and decision-making using investor waterfalls to mitigate losses. Collaboration with investors and internal teams is required.

Qualifications

• Bachelor's degree or equivalent combination of education and experience.
• Minimum 2 years of mortgage servicing experience.
• At least 1 year of loss mitigation experience preferred.
• Knowledge of FNMA, FHLMC, FHA, VA, and USDA mortgage processes and guidelines.
• Familiarity with CFPB, FCRA, FDCPA, and regulatory compliance standards.
• Strong analytical and decision-making skills.
• High attention to detail in a fast-paced, metrics-driven environment.

Responsibilities

• Gather and review documentation to create loan workout packages within timelines.
• Evaluate loss mitigation options including forbearance, repayment plans, deferrals, and loan modifications.
• Analyze borrower financial statements to determine resolutions.
• Assess risk using investor guidelines and waterfalls.
• Collaborate with investors to determine borrower retention eligibility.
• Perform compliant file reviews and ensure timely decisions.
• Use investor systems to obtain workout results and track status.
• Coordinate with internal/external stakeholders on loan status updates.
• Maintain a loan-level portfolio and meet deadlines.
• Order appraisals and ensure valuation notices are delivered to homeowners.
• Prepare and verify income/expense calculations and upload documentation.
• Maintain information security and support audits and process improvements.

Skills

Verbal communication

Written communication

Organizational skills

Time management

Attention to detail

Multitasking

Education

Bachelor's degree or higher

Tools

Microsoft Office

Blitzdoc

ICE

Job description

Suna Solutions is seeking a Loss Mitigation Underwriter in California to evaluate and underwrite loss mitigation applications for delinquent mortgage accounts. You will analyze borrower finances, determine appropriate solutions, and ensure compliance with investor guidelines and regulatory standards.

The role emphasizes strong analytical skills, risk assessment, and decision-making using investor waterfalls to mitigate losses. Collaboration with investors and internal teams is required.