CCHL Servicing Default Specialist II (Collections/Delinquency) | Kennesaw

divh2CCHL Servicing Default Specialist II (Collections/Delinquency) | Kennesaw/h2pJob Category: Mortgage Lending/ppRequisition Number: CCHLS003484/ppLocation: Kennesaw, GA 30144, USA/ph3Description/h3pstrongCapital City Home Loans Servicing Default Specialist II - Capital City Bank - More than your bank. Your banker./strong/ppstrongHours:/strong Mon - Fri, 40 Hours/ppGeneral Summary: The Servicing Default Specialist II (Collections/Delinquency) position is a member of the Loan Servicing Operations and Default Team with the primary responsibility for the effective management of accounts in various stages of delinquency or default. This role ensures compliance with regulatory and investor/insurer guidelines while providing exceptional service and support to borrowers during the default process. The Specialist will oversee a broad scope of default activities including collections, loss mitigation, bankruptcy, foreclosure, REO management, and audit support./ppAll associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times./ppPrincipal Duties and Responsibilities:/pulliEstablish collection call campaigns in accordance with Servicing Alignment Initiative guidelines./liliEffectively communicate and educate borrowers, explaining the impact of delinquency on the loan and potential loss mitigation options./liliProperly updating the servicing platform, including right party contact, promise to pay dates, and reason for default./liliPerform skip tracing for borrowers we have no communication or good contact numbers./liliMonitor incoming bankruptcy notifications and emails./liliSend loss mitigation applications to borrowers authorization third parties./liliProcess Loss Mitigation Applications in accordance with CFBP, Investor and Insurer guidelines, including but not limited to: Issuing required letters within required timeframes, Submitting data and documents to loss mitigation vendor, Ensure complete applications are decisioned with 30 days, Monitor trial payment plans Order/mail modification documents to borrowers and executed copies to the county for recording and the Investor/Insurer as required. Maintain loss mitigation tracking on the servicing platform and updating the proper default reporting codes./liliPrepare and gather documents for foreclosure files./liliOrder and review property inspections, updating the servicing platform with the inspection results./liliOrder property preservation as necessary and in accordance with Investor/Insurer allowable./liliRequest approval for amounts over Investor/insurer allowable./liliAssist manager with audit requests including, but not limited to, gathering documents, providing explanation of activities on delinquent or defaulted loans, providing copies of FNMA, FHA and VA reporting./liliAssist the Servicing Manager as needed./li/ulpEmployer determines the essential functions of the job./ppAll associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Strategic Wealth, and Capital City Home Loans, with department managers setting the standard./ppAssociated Duties:/ppProvides additional support to manager and department colleagues./ppCompletes all assigned/required Bank training within established timelines./ppKnowledge, Skills and Abilities (KSAs) Required:/pulliKnowledge of core, complementary and online banking systems./liliWorking knowledge of Servicing Director utilizing the Collections module to establish collection calls, welcome calls, and scoring models to efficiently collect on borrower accounts./liliMust be able to effectively communicate with borrowers while maintaining privacy and respectful demeanor./liliAnalytical and problem-solving skills./liliSound judgment./liliAbility to prioritize work, multi-task and display a flexible attitude./liliAbility to manage time constraints and meet operational deadlines./liliAbility to handle high pace work environment with unpredictable workloads./liliAttention to detail and accuracy./liliInterpersonal and teamwork skills./liliKnowledge of Microsoft Office Suite./liliPersonal computer skills./liliUse and knowledge of standard office equipment./li/ulpSpecialist II This position will have some knowledge of core, complementary and online banking systems. The Default Specialist II supports loan servicing operations by managing delinquent accounts and facilitating loss mitigation processes. This role ensures accurate account maintenance and compliance with regulatory and investor guidelines. Associates will gain familiarity with department functions, policies and practices and will require on-going training. Associate will follow standard procedures and written instructions to accomplish routine tasks; those of a more complex nature are referred to a higher-level associate. Work is performed under direct supervision with no independent decision making./ppAssociate will also master department functions, policies and practices and may cross-train in other areas. Associates follow standard procedures and written instructions to accomplish tasks of a more complex nature. Work is performed under minimal supervision for routine tasks and receives detailed instructions on new assignments or special projects./ppEducation Minimum, high school diploma or equivalent required. Bachelors Degree from an accredited college preferred. Relevant experience may substitute for the education requirement. Three years of Mortgage Servicing experience preferred and relevant banking experience considered./ppExperience Expertise in 3-5 areas preferred:/pulli3 years of collection experience servicing Conventional insured loans, FHA, USDA and VA loans./lili2 years of experience as a Single Point of Contact or loss mitigation underwriting/lili2 years of default reporting experience/lili2 years of experience processing foreclosures or bankruptcies./lili2 years of claim experience/lili2 years of property preservation experience/lili2 years of REO experience/li/ulpWorking Conditions:/pulliLobby or cubicle environment./liliIn the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity./li/ulpCapital City Bank associates are our greatest asset. We offer the following benefits:/pulliMedical, Dental and Vision/liliLife Insurance/lili401(k) with Matching/liliFlexible Spending Accounts/liliTuition Assistance/liliStock Purchase/liliDiscounts on Products and Services/li/ulpEOE/Protected Veterans/Disabled/Drug Free/ppThe above declarations are not intended to be an all-inclusive list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job./ppTHIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict at Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate./ph2Qualifications/h2h3Education/h3h4strongRequired/strong/h4pHigh School or better./ph3Experience/h3h4strongPreferred/strong/h4pPlease indicate work experience when applying/ppEqual Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor./p/div