Mortgage Manager

Habitat for Humanity•Knoxville, TN

61d

About The Position

The Mortgage Manager's primary responsibility is to service all homeowner mortgage accounts to include processing payments, addressing delinquencies, setting up payment plans, and managing escrow accounts

Requirements

A commitment to Knoxville Habitat for Humanity's vision of affordable housing for everyone
Ability to work in a team environment and creatively address challenges
Bachelor's degree in accounting or finance or equivalent practical experience that provides candidate with requisite knowledge skills and abilities
Proficient with Microsoft Office
Excellent oral and written communication skills and the ability to communicate with people of diverse backgrounds
Ability to manage and prioritize multiple tasks
Ability to manage detailed information, records, and maintain confidentiality must be able to meet the minimum requirements to maintain a Qualified Loan Originator certification.

Nice To Haves

Proficient knowledge of FICS Loan Servicer system
Proficient with QuickBooks Enterprise

Responsibilities

Manages all mortgage accounts
Processes monthly payments
Collaborates with Chief Financial Officer on monthly reconciliations
Executes loss mitigation and foreclosure prevention policies with homeowners facing issues such as delinquency, refinancing, bankruptcy, and foreclosures
Monitors loss-mitigation payments to ensure terms are followed
Reports status of mortgages to internal and external stakeholders
Coordinates with Family Services Department to implement delinquency policies
ensures confidentiality of records and borrower's information
Administers mortgage escrow accounts. Ensures property taxes, HOA fees, homeowners' insurance, forced placed insurance, escrow refunds, and escrow vendor payments, are paid on time. Monitors escrow shortages, insurance claims, and performs escrow analysis on a regular basis
Initiates foreclosure proceedings with affiliate attorney (with the support of Director of Family Services)
Notifies affiliate attorney of bankruptcy filings
Reports homeowner payment history to Credit Reporting Bureau monthly
Demonstrates commitment and strict adherence to best ethical practices and laws such as, but not limited to Fair Housing Act, Equal Credit Opportunity Act, Fair Credit Reporting Act,
Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act
Maintains files in accordance with record retention policies such as:
Mortgage Statements
Late fee letters
Administers FICS mortgage software environment and eStatus client portal
Coordinates software updates
Creates and maintains custom reports
Supports annual audits by preparing the following items:
Mortgage balance listing
Annual FICS reconciliation
Mortgage confirmation letters
Mortgage aging stats
Other data and information as requested by auditors