Mortgage Workout Specialist

Responsibilities

• Manage a portfolio of past-due mortgage accounts and prioritize outreach based on risk and member needs
• Work one-on-one with members to understand their financial situation and identify realistic workout solutions
• Educate members on available options, including forbearance and other loss mitigation programs
• Analyze borrower financials, credit, and property details to recommend sustainable resolutions
• Negotiate and structure repayment solutions with a focus on transparency and fairness
• Partner with internal teams and external stakeholders to ensure a smooth, consistent member experience
• Maintain accurate documentation, reporting, and adherence to investor guidelines and servicing requirements
• Support process improvements and contribute to a more effective, member-focused approach to collections and loss mitigation

Requirements

3+ years of collections or loss mitigation experience

Experience working with mortgage servicing and/or investor loans preferred

Working knowledge of collections laws, regulations, and mortgage servicing practices

Strong communication skills with the ability to navigate sensitive conversations in a clear, respectful way

Able to analyze financial information and make sound, balanced recommendations

Detail-oriented with strong organization and follow-through skills

Qualifications

High school diploma or equivalent

Valid driver’s license and reliable transportation

Skills

• Excellent verbal and written communication skills
• Proficiency in Microsoft Office Suite
• Ability to work independently and manage multiple tasks simultaneously
• Strong problem-solving and analytical skills
• Knowledge of housing finance and mortgage industry practices

Benefits

• Comprehensive Benefits: Health, Dental, and Vision coverage for employees working minimum of 20 hours/week; Metro provides assistance toward premiums and copays
• Sales Incentives; annual retention bonus vesting program
• Three weeks paid vacation; 11 paid holidays
• 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement. Metro contributes 3% regardless of employee’s contribution
• Wellness Incentives; Employee Assistance Program; Flexible Spending Account; Health Savings Account; Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans;$150/Quarter reimbursements for wellness and lifestyle expenses
• Discounts on Pet Insurance
• Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your long-term career goals
• Growing, dynamic environment - no day is ever the same and join an exceptional team of co-workers
• Exceptional training program (classroom, on-the-job, and mentoring)
• Stable and growing organization

Pay

$26.5/hr – $35.95/hr

Schedule

Full-time position