Collections and Foreclosure Services Manager

About the role

SC State Housing Finance and Development Authority's (SC Housing) Mortgage Servicing Department services mortgage loans for first-time homeowners and low- to medium-income families for affordable housing. We are seeking a Collections and Foreclosure Services Manager who is employee-driven, customer-oriented, and excels in leadership, customer service, attention to detail, multitasking, and timeliness. Under limited supervision, the manager will use sound judgment to oversee the day-to-day activities of the Default, Loss Mitigation, Bankruptcy, and Foreclosure areas within Mortgage Servicing. This role provides expertise and guidance to staff and customers regarding regulated duties and serves as an integral member of the Servicing Management team to advance SC Housing’s mission, values, and strategic plan.

Responsibilities

• Direct and lead the Default, Loss Mitigation, Foreclosure, and Bankruptcy functions.
• Create a culture of accountability that empowers employees to take ownership of their actions.
• Foster a positive work environment that promotes continuous communication.
• Ensure insurer compliance with regulatory guidelines and internal policies.
• Oversee MILAR and delinquent loan reporting to all mortgage insurers.
• Respond to all internal and audit requests.
• Prepare monthly, quarterly, and semi-annual reports for internal and external stakeholders.
• Stay abreast of applicable requirements by reviewing government and private mortgage insurer handbooks, mortgagee letters, instructional handbooks, laws, and other regulations related to delinquent loan servicing.

Requirements

• A bachelor's degree in business administration, accounting, or a related field of study.
• A minimum of three (3) years of full-time experience in housing finance, banking, real estate, or another housing-related field.
• A minimum of three (3) years of supervisory, managerial, or team lead experience (may run concurrently with professional experience).
• An equivalent combination of education and experience may be substituted (e.g., 1 year of education = 1 year of related experience).

Skills

• Strong interpersonal skills with a focus on team building, coaching, and mentoring.
• Ability to exercise judgment and discretion in supervision.
• Analytical skills to interpret regulations and data, prepare recommendations, and proactively manage in a team environment.
• Exceptional written and verbal communication skills for effective interaction with customers, staff, and peers.
• Ability to establish and maintain effective working relationships with department staff, coworkers, and external customers.
• Detail-oriented and analytical, with the ability to organize multiple tasks and set priorities.
• Ability to make presentations and prepare reports.
• Ability to work within strict deadlines and meet regulatory compliance.
• Innovative mindset with a focus on streamlining activities.
• Strong proficiency in Excel.
• Physical ability to continuously stand or walk, lift and carry files/books/reports up to 20 lbs, perform filing and desk work, and operate general office equipment.
• Ability to sit or stand for prolonged or intermittent periods while sharing, gathering, or presenting information.

Preferred Qualifications

• Mortgage experience is preferred.

Benefits

• Telecommuting options.
• Accrued Paid Time Off (15 days annual/vacation leave and 15 days sick leave per year).
• 13 paid holidays.
• PEBA Health, dental, vision, long-term disability, and life insurance for employees, spouses, and children.
• PEBA Perks.
• Free Telehealth Visits for State Health Plan members.
• Free Health Coaching for State Health Plan members.
• State Retirement Plan.
• Deferred Compensation Programs (401k and 457 plans).
• MoneyPlus (tax-favored accounts program).
• Employee Assistance Program.
• Employee Discount Programs (PerksCard, TicketsatWork, and WeSave).
• Casual Fridays.
• Tuition Reimbursement Program (after 6 months of employment).
• Public Service Loan Forgiveness (PSLF) Eligible Employer.

About SC Housing

We are a state governmental agency that operates much like a private-sector business. As a self-sustaining operation offering rental and homeownership products and services, we face many of the same regulatory, market, and financial hurdles as private-sector financial institutions. Our advantage is that we offer challenging and meaningful work alongside excellent state government benefits.

Location

The Palmetto State offers something for everyone. Located in the Midlands, Columbia is both the state capital and South Carolina's second-largest city, with a short commute to the state's beautiful beaches and gorgeous mountains. Sunny summers and mild winters allow year-round outdoor activities, with Lake Murray just minutes away. The area features great universities and colleges, minimal commute times, and friendly people, making South Carolina an ideal place to build your future.