Mortgage Collection Representative 1

F.N.B. Corporation•Pittsburgh, PA

2d•Onsite

About The Position

This position is primarily responsible for remediation of delinquent bank owned, Government Sponsored Enterprise (GSE) and Private Investor real estate secured accounts ensuring timely contact with borrowers, proper system notations of all attempts and borrower conversations.

Requirements

High School or GED
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position: 1
Excellent customer service skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Basic Level
MS PowerPoint - Basic Level
Knowledge of laws that relate to foreclosure, repossession and fair debt.

Responsibilities

Attempts to contact borrowers utilizing effective human relation skills, to collect on delinquent mortgage loans, researches loan origination documentation and electronic file to determine other means of reaching the borrower and initiates skip-tracing efforts if warranted.
Achieves productivity goals as set by management.
Calls/Contact/Promises along with response time to all inbound calls – achieving time to answer goals as set by management.
Ensures complete and concise notation on banks system of all attempts, conversations, promise to pay arrangements, alternate financial arrangements, letters mailed, payments received, maintenance requests, etc. and sets an appropriate follow-up date to ensure promise kept.
Ensures proper account maintenance is completed to comply with the FCRA, CFPB, SCRA, etc. and system data integrity to allow for accurate reporting required internally and externally for the FNMA and the FHLMC.
Complies with all GSE standards to attempt contact every 5-7 days until right party contact (RPC) is achieved.
Reviews records and transactions, resolves misapplied payments, researches transactions, organizes and summarizes information and data accurately and timely for all portfolios.
Ensures proper loan maintenance to accurately flag loans such as foreclosure or bankruptcy, non-post, restricted, etc.
Maintains proper ledger of all foreclosure related expenses and credits to ensure proper collection.
Complies with all policies, procedures and regulations.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines.
Compliance with regulatory laws and company procedures is a required component of all position descriptions.