HM Claims Specialist

Description

Once foreclosure representative completes the foreclosure steps, the file is then given to the claims department to submit claims to the investor for attorney fees, cost, taxes and insurance that were paid during the foreclosure process, for reimbursement. Specifically adhere to all investor's guidelines and procedures.

The FNMA(Fannie Mae)/FHLMC(Freddie Mac) Claims Specialist performs all tasks associated with reimbursement claims filed with FNMA and FHLMC. The process includes compiling the documentation and information needed to prepare the claim, preparing the claim, working within specific internal and government applications to identify allowable expenses and timelines when filing the claim; inclusive of claim preparation of incentive claim proceeds for completed loss mitigation workouts. This role is responsible for analyzing funds advanced on a mortgage and determining what can be reimbursed by FNMA and FHLMC. This position requires the application of various complex methods, procedures, and knowledge of the business unit's product(s) and system application(s) such as LoanSphere Claims. Qualified candidate will need to be efficient with property preservation functions as well as have knowledge in all areas of default mortgage.

This role performs routine, complex analytical review of data and/or documentation which may include customer data and/or review for fraud/risk activities and/or perform moderately complex analysis to identify and resolve process-level issues. May assist in developing and implementing policies, procedures, and training materials to maximize efficiency. May manage projects requiring coordination with other teams, process improvement projects and may perform other such duties as assigned including trouble shooting operational issues.

May serve as subject matter experts with vendor relationships and serve as business unit liaison with other departments. May serve as point person for more junior team members. Collect, review and analyze data and/or documentation to ensure compliance with department SLAs, policies, procedures, and/or regulatory and risk requirements.

Primary responsibilities include

• Reviewing Loan History to determine any money advanced on a mortgage that can be reimbursed from FNMA/FHLMC

• Gathering all required documentation to support the claim

• Compiling all advances, invoices, and supporting documentation into a claim for submission

• Filing the claim within the correct internal/government system to request reimbursement

• Reconciling claim funds and expenses written off to ensure all claimable amounts have been filed

Qualifications, Education, Certifications and/or Other Professional Credentials

• Reconciliation of debits and credits

• Advanced knowledge of Microsoft Excel is a plus

• Strong knowledge of Mortgage Default processes (Collections, Loss Mitigation, Foreclosure, Property Preservation)

• Strong knowledge of FNMA Claim Requirements

• Strong knowledge of FHLMC Claim Requirements

• Excellent organization skills

• Excellent ability to multi-task

• Strong knowledge of Mortgage applications and systems

• Excellent time management skills

• Excellent written and verbal skills

• Advanced analytical skills

• Solid interpersonal skills

• Capacity to work independently

• Excellent interpersonal skills

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

06/15/2026