止赎专员 II
Foreclosure Specialist II
概述：
该职位负责管理指定抵押贷款组合的止赎流程，包括有争议的止赎或处于其他诉讼中的贷款，以确保根据投资者指南及时完成止赎，并为与止赎流程相关的行政支持工作。
主要职责：
- 从委托到止赎后监控止赎行动的进展，包括管理提出的问题、暂停事项以及完成止赎所需的审查/研究。
- 与止赎律师沟通，了解、减少并避免止赎过程中的延误。与止赎律师合作解决简单的有争议/诉讼行动和产权问题，以完成止赎行动。
- 在止赎过程中向投资者提供必要的状态更新。根据投资者或监管审计请求，整理并提供文件。
- 根据需要生成各种定期和临时报告，包括但不限于月度评分卡报告、异常报告和流程跟踪报告。
- 确保止赎中的投资者截止日期得到满足，包括但不限于FHA首次法律截止日期和FHA驱逐首次法律截止日期。
- 根据投资者指南准备竞价说明，并确保在M&T的抵押权不在第一顺位时进行适当的竞价。
- 审核VA评估师发票以进行付款。获取必要的W-9表格，设置付款人头信息，并提交发票以进行付款。
- 对止赎或简单有争议诉讼所需的文件进行初步审查，收集备份材料并提交给二级审核员进行进一步审核和执行。
- 审核权益状况并为潜在的冲销准备必要的权益分析。
- 向投资者、MI公司和其他必要方提供销售结果，按要求更新系统。
- 与律师合作，确保向投资者正确报告止赎状态。
- 管理各种分配的任务，以采取行动搁置、关闭或继续止赎，符合所需的服务水平协议。
- 完成止赎团队每日销售结果质量检查（QC）。监控、分发并回应发送到团队邮箱的邮件。接收、审核并分发通过客户资产管理（CAM）收到的与银行有利益关系的住宅物业相关的法律邮件，以避免银行遭受损失风险。
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Overview:
This position is responsible for managing the foreclosure process for an assigned portfolio of mortgage loans, contested foreclosures or loans in other litigation to ensure foreclosure is completed timely in accordance with investor guidelines and for providing administrative support related to the foreclosure process.
Primary Responsibilities:
- Monitor progress of the foreclosure action from referral to post foreclosure, including management of issues raised, holds placed and review/research needed to complete the foreclosure action.
- Communicate with foreclosure attorneys to understand, minimize and avoid delays during the foreclosure. Work with foreclosure attorney to resolve simple contested/litigation actions and title issues to allow completion of the foreclosure action.
- Provide necessary status updates to investors during the foreclosure process. Assemble and provide documentation in response to investor or regulatory audit requests.
- Generate various scheduled and ad hoc reports as needed for Foreclosure, including but not limited to monthly scorecard reporting, exception reporting, and workflow tracking reports.
- Ensure investor deadlines within the foreclosure are met, including but not limited to FHA 1st legal deadlines and FHA eviction 1st legal deadlines.
- Prepare bidding instructions according to investor guidelines and ensure proper bidding for sales where M&T’s lien is not in first position.
- Review VA appraiser invoices for payment. Obtain necessary W-9, set up payee header and submit invoice for payment.
- Perform initial review of documents required for foreclosure or simple contested litigation, gathering of backup and submission to Tier 2 Reviewer for further review and execution.
- Review equity position and prepare necessary equity analysis for potential charge off.
- Provide sale results to investor, MI companies and other necessary parties, updating systems as required.
- Work with attorneys to ensure proper reporting of foreclosure status to investors.
- Manage a variety of assigned tasks to hold, close or proceed with foreclosure taking action within the required service level agreement.
- Complete daily Sale Result QC for Foreclosure team. Monitor, distribute and respond to emails sent to Team email boxes. Receive, review and distribute legal mail received in Customer Asset Management (CAM) pertaining to residential property in which the bank has an interest, to avoid risk of loss to the bank or its investors and work with in house counsel and management to determine if external counsel must be engaged to represent M&T.
- Request checks for disbursement of bid deposit, senior lien payoff and settlements.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Scope of Responsibilities:
This position interacts with external third-party foreclosure attorneys to ensure successful and timely completion of foreclosure consistent with investor guidelines.
This position also interacts with CAM Management and internal & external counsel.
Education and Experience Required:
A combined 3 years’ higher education and/or work experience, including a minimum of 1 year Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation).
Working knowledge of word processing and spreadsheet software.
Strong written and verbal communication skills.
Detail oriented.
Strong analytical and problem solving skills.
Motivated, team player with a positive and friendly attitude.
Education and Experience Preferred:
3 years’ Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation).
Proven ability to work effectively in a team environment.
Knowledge of bank and departmental systems.
Understanding of mortgage product including home equity loans and lines of credit.
Experience reading and comprehending the contents of legal documents.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.Location
Clanton, Alabama, United States of AmericaOriginally posted on Himalayas