TX Real Estate Loss Mitigation Pro

Cutx; Allen, Northern (TX, KY); Híbrido; USD 65 000 - 100 000; Tempo integral

Resumo da oferta

CUTX in Texas is seeking a Real Estate Loss Mitigation Specialist to manage delinquent Texas Home Equity Loans and HELOCs, conduct detailed financial analysis, and structure retention or liquidation solutions in alignment with Texas law and CFPB rules.

You will collaborate with foreclosure and bankruptcy counsel, leverage AI analytics tools, document triage, and ensure audit-ready decision support while maintaining member advocacy and collateral protection.

Qualificações

• High school diploma or equivalent required.
• Bachelor's degree in a related field or equivalent banking experience preferred.
• 3–5 years of experience servicing delinquent real estate loans (HELOCS) preferred.
• Working knowledge of Texas home equity lending regulations (Texas Constitution Article XVI, Section 50(a)(6)) and Texas Finance Code Chapter 392.
• Familiarity with bankruptcy procedures as they relate to secured debt and foreclosure processes in Texas.

Responsabilidades

• 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 sustainable retention solutions.
• Conduct detailed financial analysis including income verification, expense review, and property valuation assessment.
• Monitor high-risk accounts and intervene prior to foreclosure escalation when viable retention options exist.
• Coordinate with foreclosure counsel and bankruptcy counsel as needed and ensure compliance with applicable laws and timelines.

Conhecimentos

Texas home equity knowledge

Analytical thinking

Negotiation skills

Regulatory compliance

Communication

Documentation discipline

AI tool familiarity

Formação académica

High school diploma or equivalent

Bachelor's degree or equivalent banking experience

Ferramentas

AI tools

Microsoft Office

Loan servicing systems

Descrição da oferta de emprego

CUTX in Texas is seeking a Real Estate Loss Mitigation Specialist to manage delinquent Texas Home Equity Loans and HELOCs, conduct detailed financial analysis, and structure retention or liquidation solutions in alignment with Texas law and CFPB rules.

You will collaborate with foreclosure and bankruptcy counsel, leverage AI analytics tools, document triage, and ensure audit-ready decision support while maintaining member advocacy and collateral protection.