Texas Real Estate Loss Mitigation Strategist

Credit-Union-of-Texas

Allen (TX)

On-site

USD 75,000 - 110,000

Full time

5 days ago

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Job summary

Credit-Union-of-Texas is seeking a Real Estate Loss Mitigation Specialist to manage delinquent Texas Home Equity Loans and HELOCs, from early-stage delinquency through foreclosure referral or charge-off. You will engage borrowers, analyze finances, and structure sustainable retention or liquidation solutions in compliance with Texas laws and CFPB rules.

You will collaborate with counsel, partners, and internal teams while using CUTX-approved AI tools to support decisions and ensure audit-ready

Qualifications

High school diploma or equivalent required.
Bachelor's degree and/or equivalent experience in a credit union or banking environment preferred.
Minimum of three to five (3–5) years of experience servicing delinquent real estate loans.
Knowledge of Texas home equity lending regulations and CFPB rules is a plus.

Responsibilities

Manage delinquent Texas Home Equity Loans and HELOCs from early-stage delinquency through foreclosure referral or charge-off.
Proactively engage borrowers to identify hardship causes and evaluate retention solutions.
Conduct financial analysis including income verification, expense review, and property valuation assessment.
Coordinate with foreclosure and bankruptcy counsel as needed and ensure constitutional timelines are met.