Mortgage Foreclosure & Bankruptcy Specialist

Sunflower Bank NA•Plano, TX

11d•Hybrid

About The Position

At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Mortgage Foreclosure & Bankruptcy Specialist at our Plano, Texas location. Hybrid options available. The Mortgage Foreclosure & Bankruptcy Specialist position requires that the individual must have the experience and knowledge to manage both the foreclosure and bankruptcy processes in a “cradle to grave” format.

Requirements

Must have excellent verbal and written communication skills.
Must be committed to providing exceptional customer service.
Ability to communicate courteously and effectively with borrower, clients, attorneys, other internal employees, and outside parties.
Must be able to work with others.
Must possess exceptional organizational skills.
Attention to detail is a must.
High-level proficiency in MS Office suite.
Proficiency in internet research activities.

Nice To Haves

Experience with loan servicing system MSP and PACER is preferred.

Responsibilities

Monitors foreclosure & bankruptcy actions to ensure full compliance with investor guidelines, with heavy emphasis on Fannie Mae, Freddie Mac, FHA, VA and USDA protocols along with state/federal regulatory guidelines.
Understands the different legal processes (judicial vs. non-judicial) to foreclose in our various states.
Maintains foreclosure caseload and works all tasks, processes, events, issues, re-projections and holds are updated within the required deadlines.
Provides clear verbal/written communication and timely responses with attorneys, trustees and investors.
Manages vendor and attorney networks.
Monitors and manages foreclosure & bankruptcy exception reports.
Completes special projects on an as needed basis.
Provides assistance to management in audits and loan level reviews.
Coordinates with other departments to minimize losses and mitigate risk.
Identifies quality compliance issues as they arise and provides the appropriate feedback to management.
Coaches and provides on the job training for new hire peers within the foreclosure & bankruptcy department.
Understands mortgage loan servicing and the default, foreclosure, bankruptcy and loss mitigation processes.
Provide support to local and outside counsel to review and comment on court documents, assist in resolution of litigation matters and attorney inquiries, and consult with counsel on escalated borrower issues received by management.
Coordinate and attend depositions, mediations, and trial date appearances with counsel.
Promptly refer bankruptcy loans to the outside counsel to initiate the filing of a proof of claim, objection to plan, motion for relief, transfer of claims, and other bankruptcy-related actions.
Verify/research borrower payment history and resolves payment posting discrepancies (i.e. Ledger Balancing) and ensure the company's system of record is updated accordingly.
Maintains bankruptcy caseload and works all tasks, processes, events, issues, re-projections and holds are updated within the required deadlines.
Perform other related duties as required and assigned.
Demonstrate behaviors which are aligned with the organization’s desired culture and values.
Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
Understand and participate in the Bank’s Community Reinvestment Act program.