Description

As the Pre-Referral Specialist, you will monitor delinquent loans and prepare the loan to refer to foreclosure to ensure compliance with all investor, guarantor, insurer, state and federal guidelines/timeframes are adhered to.

Primary responsibilities include

The Pre-Referral Specialist role is responsible for preparing delinquent loans for referral to foreclosure counsel.  Responsible for managing FHA, USDA & VA loans and strongly aware of all investor requirements to ensure timelines & policies are strictly adhered to including 1st legal deadlines. A thorough understanding of original mortgage documents, including but not limited to the Note, Mortgage, Deed, POA, title insurance and appraisals, is essential. Interact with Loss Mitigation & Bankruptcy departments to ensure proper steps are adhered to ensure borrowers are not active Military, filed Bankruptcy or seeking Loss Mitigation assistance. The processor should understand the difference between a Breach, Notice of Intent, Demand and Statutory letters to ensure the correct letter(s) have been sent to all proper parties.Send and receive original collateral files with foreclosure counselConfirm all investor requirements were met prior to commencing the foreclosure action. Review daily reports to ensure investor/insurer guidelines are met timely with respect to breach letters, referrals and foreclosure hold statuses. Demonstrate working knowledge and understanding of all default, breach, and state specific notices. Review loans to ensure all state and insurer mandated communications have been sent to all interested parties.

Qualifications, Education, Certifications and/or Other Professional Credentials

MSP/LPS - Black Knight/ICE3-5 years of mortgage servicing experience 1-2 years foreclosure experienceCandidate should have strong time-management skills, including the ability to effectively prioritize work assignments, be detail oriented and self-motivated.  Superior ability to multi-task and to function efficiently in a high volume, fast paced deadline-oriented environment.Solid knowledge MS ExcelSolid knowledge of MS WordSolid knowledge of FHA, USDA & VA guidelines

Hours & Work Schedule

Hours per Week: 40Work Schedule: 8-5Glen Allen, VA - Hybrid

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.