Mortgage Foreclosure & Bankruptcy Specialist

Mortgage Foreclosure & Bankruptcy Specialist The Mortgage Foreclosure & Bankruptcy Specialist position requires experience and knowledge to manage both foreclosure and bankruptcy processes in a "cradle to grave" format. The role focuses on ensuring compliance with investor and regulatory guidelines while maintaining efficient case management and effective communication with internal and external stakeholders. Responsibilities Monitors foreclosure and bankruptcy actions to ensure full compliance with investor guidelines, with emphasis on Fannie Mae, Freddie Mac, FHA, VA, and USDA protocols and state/federal regulatory guidelines. Understands the different legal processes (judicial vs. non-judicial) to foreclose in various states. Maintains foreclosure caseload and updates all tasks, processes, events, issues, re-projections, and holds within required deadlines. Provides clear verbal and written communication and timely responses with attorneys, trustees, and investors. Manages vendor and attorney networks. Monitors and manages foreclosure and bankruptcy exception reports. Completes special projects on an as‑needed basis. Assists management in audits and loan‑level reviews. Coordinates with other departments to minimize losses and mitigate risk. Identifies quality compliance issues and provides appropriate feedback to management. Coaches and provides on‑the‑job training for new hires within the foreclosure and bankruptcy department. Understands mortgage loan servicing and the default, foreclosure, bankruptcy, and loss mitigation processes. Supports local and outside counsel by reviewing and commenting on court documents, assisting in litigation matters, and consulting on escalated borrower issues received by management. Coordinates and attends depositions, mediations, and trial date appearances with counsel. Refers bankruptcy loans to outside counsel to initiate filing of proof of claim, objection to plan, motion for relief, transfer of claims, and other bankruptcy‑related actions. Verifies/researches borrower payment history, resolves payment posting discrepancies, and ensures the company’s system of record is updated accordingly. Maintains bankruptcy caseload and updates all tasks, processes, events, issues, re‑projections, and holds within required deadlines. Performs other related duties as required and assigned. Demonstrates behaviors aligned with the organization’s desired culture and values. Performs the job in accordance with applicable industry laws, regulations, and company policies and procedures. Upholds Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines. Participates in the Bank’s Community Reinvestment Act program. Education / Experience Preferred Experience with loan servicing systems such as MSP and PACER. Excellent verbal and written communication skills. Commitment to providing exceptional customer service. Ability to communicate courteously and effectively with borrowers, clients, attorneys, internal employees, and outside parties. Teamwork and collaborative skills. Exceptional organizational skills. Attention to detail. High‑level proficiency in the MS Office suite. Proficiency in internet research activities. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work‑related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Benefits 401(k) Plan with 6% match Health, dental, and vision insurance Company‑paid life insurance Tuition reimbursement Fitness reimbursement Paid time off Volunteer leave Paid holidays Additional associate perks and incentives #J-18808-Ljbffr Sunflower Bank