Loss Mitigation Specialist

This position requires close coordination with mortgage title companies, mobile notaries, and third-party vendors. The specialist may also engage directly with mortgage insurers (MI), government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and federal agencies including HUD, VA, and USDA.

Key Responsibilities:

• Manage borrower communication and documentation throughout the final stages of the loss mitigation process.
• Track and monitor trial payment plans and ensure timely issuance of final modification or liquidation documents.
• Ensure internal and external systems are updated accurately based on approved program terms.
• Coordinate with title companies, notaries, and vendors to facilitate document execution and closing.
• Ensure compliance with investor, insurer, and regulatory guidelines.
• Collaborate with internal teams to resolve issues and ensure a seamless customer experience.
• Maintain accurate records and documentation in servicing systems.

Qualifications:

Required:

• High School Diploma or equivalent.
• Minimum 2 years of experience in mortgage servicing and default operations.
• Knowledge of mortgage documents, title insurance, and title vesting.
• Familiarity with MSP/Fidelity, ALS, and Back in Black systems.
• Strong understanding of CFPB, FDCPA, RESPA, ECOA, TCPA, SCRA, and UDAAP regulations.
• Ability to manage multiple tasks in a time-sensitive environment.
• Strong communication, critical thinking, and problem-solving skills.
• Proficiency in Microsoft Office, especially Excel.

Preferred:

• Bachelor’s degree (preferred)
• Experience working with GSEs and government insurers.

Hours and Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday in the Glen Allen, VA or Irving, TX office

Pay Transparency

The salary range for this position is $24.52 - $30.29 per hour. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit .