HM Loss Mitigation Decisioning Sr Specialist

HM Loss Mitigation Decisioning

As the HM Loss Mitigation Decisioning, you will perform reconciliation process on files received from Front End Fulfillment Group by going into the loan system. The Front End Fulfillment group will send task to Decisioning, Decisioning acknowledges receipt of file and reviews file for complete documentation.

Primary responsibilities include:

• Complete steps within the decisioning process work flow within assigned timelines to ensure maximum customer experience.
• Ensure all regulatory requirements are met for each account within the Work out process.
• Analyze financial information to determine most effective work out strategy.
• Reviews financial data reported for accuracy i.e.: does the customer reported data match actual financials.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac).
  • Proficiency in automated underwriting systems Back in the Black (BITB)
  • Ability to interpret credit reports, income documentation, and appraisal reports.
  • Detail-oriented with strong analytical and decision-making skills.
• Preferred Qualifications
  • Bachelor's degree or two years equivalent experience

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: 8am-5pm Monday -Friday

Pay Transparency

The salary range for this position is $24.52 - $30.29 per hour. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit

Required Skills

• Customer Support Trends
• Data Processing
• Diversity, Equity, Inclusion, and Belonging (DEIB)
• Document and Records Management
• Financial Statement Analysis
• Mortgage Loan or Mortgage Products
• Service Excellence

About Us

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.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

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.

Job Info

• Job Identification 46740
• Job Category Advisory & Relationship Management
• Degree Level High School Graduate/GED
• Job Schedule Full time
• Job Shift 1st
• Locations 10561 Telegraph Rd, Glen Allen, VA, 23059, US 5221 N. O'Connor Blvd, Irving, TX, 75039, US
• Working Hours 40
• Career Site Category Mortgage