Loss Mitigation Specialist

divh2Zippy Loss Mitigation Specialist/h2pZippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. Thats why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience./ppHeadquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions./ph3The Role/h3pWere looking for a Loss Mitigation Specialist to actively manage a pipeline of delinquent accounts and drive resolution through effective borrower engagement and decisive workout execution. This role is responsible for evaluating hardship, collecting and validating documentation, and moving accounts quickly to the right outcomewhether retention or liquidation./ppThis is a high-touch, high-accountability role where success is measured by speed, accuracy, and resolution outcomes./ppstrongWhat Youll Do/strong/pulliManage an active pipeline of delinquent accounts requiring loss mitigation evaluation/liliReview borrower financials and determine eligibility for workout solutions/liliDrive the collection of complete and accurate documentationminimizing back-and-forth and delays/liliClearly communicate available options to borrowers, including retention (repayment plans, deferrals, modifications) and liquidation paths (e.g., voluntary surrender)/liliMake timely, well-supported decisions based on hardship, financial capacity, and guidelines/liliMaintain consistent follow-up to keep files moving and avoid stagnation/liliEnsure all accounts are handled in compliance with applicable regulations and internal policies/liliDocument all activity accurately within servicing systems/liliPartner with Collections, Underwriting, Legal, and Default teams to move accounts to resolution/liliMeet or exceed defined KPIs (cycle time, conversion rates, quality, and borrower experience)/li/ulpstrongWhat Success Looks Like/strong/pulliFiles move quickly from intake ? decision ? resolution/liliHigh-quality, complete packages with minimal rework/liliStrong conversion into appropriate workout solutions/liliLow aging and minimal pipeline backlog/liliPositive borrower experience, even in difficult situations/li/ulpstrongQualifications/strong/pulli2+ years of experience in loss mitigation, mortgage servicing, underwriting, or related field/liliStrong working knowledge of loss mitigation solutions and default processes/liliExperience reviewing borrower financial documents (tax returns, pay stubs, bank statements)/liliAbility to manage a pipeline and prioritize effectively in a deadline-driven environment/liliStrong communication skills with the ability to handle sensitive financial conversations/liliDetail-oriented with sound judgment and decision-making ability/liliProficiency in Microsoft Office and servicing platforms/li/ulpstrongNice to Have/strong/pulliExperience with chattel or non-traditional lending products/liliKnowledge of CFPB or other regulatory requirements/liliBilingual (Spanish/English)/li/ulpstrongWork Environment/strong/pulliFully remote/liliFast-paced, production-focused environment/li/ulpstrongCore Competencies/strong/pulliOwnership accountability/liliAttention to detail/liliEmpathy with execution/liliTime management and prioritization/liliDecision-making under pressure/li/ulpstrongImportant Applicant Information/strong/pulliWhile many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process./liliAs a participating employer, we will use E-Verify to confirm employment eligibility./liliPlease note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected./li/ulpstrongTotal Rewards/strong/ppAt Zippy, were passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work./ppOur benefits and perks are always evolving, but heres what we offer right now:/pullistrongCompetitive Compensation/strong : We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience./lilistrongEquity for All/strong : As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy./lilistrongRemote Work/strong : Enjoy the flexibility of working from home in a dynamic, remote-first environment./lilistrongComprehensive Health Coverage/strong : We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family./lilistrongFlexible Spending Accounts/strong : Take advantage of medical dependent care FSAs to help manage your expenses./lilistrongTraining Licensing Support/strong : We invest in your professional growth with resources for training and licensing./lilistrongPaid Time Off/strong : We offer generous PTOand we encourage you to use it!/lilistrongWellbeing Programs/strong : Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs./lilistrongParental Leave/strong : We provide paid parental leave to support you and your growing family./lilistrongNo Meeting Wednesdays/strong : Enjoy a mid-week break from meetings to focus and recharge./lilistrongVibrant Slack Community/strong : Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more./lilistrongCareer Growth/strong : We believe in promoting from within, offering you opportunities to grow your career with us./li/ulpBeyond the tangible benefits:/pullistrongCore Values/strong : At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day./lilistrongJoin a Growing Team/strong : Be part of a dynamic team at a pivotal moment in Zippys growth, where every contribution makes a significant impact./lilistrongInnovative Work/strong : Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution./lilistrongSupportive Culture/strong : Youll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging./lilistrongDiversity Inclusion/strong : Were committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work./lilistrongInspirational Leadership/strong : Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed./lilistrongMeaningful Impact/strong : Be part of a mission-driven team thats making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes/li/ul/div