贷款服务特殊贷款专员
Loan Servicing Special Loans Specialist
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Special Loans Specialist 将为由 Mortgage Lending Division 发起以及通过收购获得的特殊贷款产品（即贷款修改、ARM 贷款、SCRA 调整、承继等）提供持续支持。按照公司的政策和程序，以及公司在运营的所有美国州和联邦法律和法规执行所有职责。该职位的薪资目标为每小时 20.00 美元至 22.00 美元。
你将负责：
- 负责更新服务系统中所有类型特殊贷款的合规性及变更所需的数据字段。
- 根据投资者、客户或其它部门员工的请求进行研究，并及时准确地进行系统更改。
- 审核并维护可调利率抵押贷款（“ARM”）合同、指数（如国债、Libor 等）和到期日计划，如果系统中没有相关数据，则按需创建新合同。
- 维护每日指数值，并将 ARM 指数填入服务系统，以确保支付计算正确，并包含在支付变更通知中。
- 审核待处理的支付变更，确保系统和未来的支付变更通知准确无误。
- 协助其他 CMS 部门处理与特殊贷款相关的查询，例如支持 Home Retention/Loss Mitigation 在修改相关问题上的工作。
- 审核整个贷款服务组合，识别符合《现役军人民事救济法案》（“SCRA”）保护条件的新贷款，并根据情况发送接受或拒绝的覆盖信。
- 进行研究以确定 SCRA 保护福利的合规性，并相应地更新服务系统。
- 处理承继请求，创建承继包并发送给客户。跟进 Mortgage Lending Division 以确认承继包是否获得批准，并进行必要的更新。
- 审核 HAMP 修改，包括本金减免、借款人激励和重新计算资格，并根据需要进行系统更改。
- 监督、审核并完成所有由 CMS 收购的贷款的 203k 流程。
- 识别部门政策和流程中的潜在更新或差距，并向部门管理层提供建议。
- 熟悉特殊贷款产品类型和文件。
- 需要具备中级的 Microsoft Word 和 Excel 技能。
- 偏好具有中级行业相关经验。
- 能力
查看英文原文
Come join our amazing team and work remote from home!
The Special Loans Specialist will provide ongoing support for special loan products (i.e. loan modifications, ARM loans, SCRA adjustments, assumptions, etc.) originated by the Mortgage Lending Division and loans acquired through acquisition. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay for this position is $20.00/hr - $22.00/hr.
What you’ll do:
- Responsible for updating data fields in the servicing system for compliance and changes needed to all types of special loans.
- Performs research and makes accurate and timely system changes in response to requests from investors, customers or employees from other departments.
- Review and maintain adjustable rate mortgage (“ARM”) contracts, indexes (i.e. Treasury, Libor, etc.) and balloon plans, if not available in the system create new contracts as needed.
- Maintain the daily index values and populates ARM indices into the servicing system to ensure proper payment calculations included in the payment change notifications.
- Audit pending payment changes to ensure system and future payment change notifications are accurate.
- Assist other CMS departments with special loan-related inquiries such as supporting Home Retention/Loss Mitigation with modification-related issues.
- Audit the entire Loan Servicing portfolio to identify new loans that meet the requirements for Service Members Civil Relief Act (“SCRA”) protection and send coverage accepted or denied letter as appropriate.
- Conducts research to determine compliance with the SCRA protection benefits and updates the servicing system accordingly.
- Processes assumptions request and create the assumption package and send to customer. Follow up with mortgage lending division to determine if assumption package was approved and updates need to be made.
- Review HAMP modifications for principle reduction, borrower incentives and recast eligibility, and makes system changes as needed.
- Monitor, review and complete all 203k processes for loans acquired by CMS.
- Identify potential updates or gaps in the department’s policies and procedures and provide recommendations to department management.
- Familiarity with special loan product types and documentation.
- Intermediate skills in Microsoft Word and Excel required.
- Intermediate industry-related experience preferred.
- Ability to understand, remember, and communicate routine, factual information.
- Ability to make decisions that have significant impact on the immediate work unit and monitor impact outside the immediate work unit.
- Ability to organize and prioritize own work schedule on short-term basis (longer than one month).
- Ability to add, subtract, multiply, and divide and to record, balance, and check results for accuracy.
- Ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly.
What you’ll need:
- High school diploma or equivalent required; some college preferred.
- One (1) to two (2) years’ mortgage servicing experience.
- Experience with special loan product types and documentation preferred.
Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: .
What We Offer:
- Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
- Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
- Customized training programs to help you advance your career.
- Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow.
- Educational Reimbursement.
- Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.
Notice to all applicants: Carrington does not do interviews or make offers via text or chat.
Originally posted on Himalayas