Loss Mitigation Underwriter
?? Georgia - Dekalb - Atlanta (https://ga.referrals.selectminds.com/jobs/72155/other-jobs-matching/location-only)
New
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Real Estate
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Community Affairs, Georgia Department of - DCA
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16 hours ago Post Date
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Make a difference and join the DCA Team! DCA gives employees more to do than merely make a living. We are serious about helping Georgia's families live more abundantly with a greater sense of hope and achievement. If public service, a great environment, and the desire to enrich the lives of others motivate you to do your best work, you should consider joining the DCA Team.
OUR MISSION
To help build strong, vibrant communities.
OUR VISION
For Georgians of today and tomorrow to have the opportunity to live and work in thriving communities
OUR CULTURE
DCA is dedicated to helping build strong, vibrant communities. We are a diverse team of highly competent and committed professionals who strive to help people and communities thrive through technical expertise, innovative thinking and a passion for making a difference. Team members are at their best when collaborating and supporting each other as they perform challenging and dynamic work. We are serious about helping Georgia's families live more abundantly with a greater sense of hope and achievement. If public service and the desire to enrich the lives of others motivates you to do your best work, you should consider joining the DCA Team
SUMMARY
The Loss Mitigation Underwriter position manages and reviews all loss mitigation package documentation to decision files per Investor/Insurer timelines. Review all loss mitigation documents in accordance with the compliance timelines associated with State Home Mortgage Investors, Insurers and agency standards for all Loss Mitigation related programs. The Loss Mitigation Specialist is responsible for the administration of loss mitigation programs for numerous investors and insurers.
MINIMUM ELIGIBILITY REQUIREMENTS
Bachelor's degree in Business Administration, Finance, or a related business field is preferred
Two years of experience in loss mitigation, collections, mortgage servicing, or loan processing experience or an equivalent combination of education and experience sufficient to perform the job duties and responsibilities of the job, as determined by The State of Georgia
Experience in reviewing FHA, Fannie Mae, USDA and VA loss mitigation and default guidelines
Strong understanding of mortgage and default documentation
Ice Technologies (Formerly Black Knight) experience preferred
Strong computer skills including Microsoft Office Suite
Excellent analytic skills, attention to detail, and ability to work within time constraints
Self-motivated, comfortable taking initiative and handling multiple projects simultaneously
Professional and excellent level of interpersonal skills to work effectively with others
Solid decision-making skills with display of professionalism in maintaining confidentiality
Proven problem-solving and team building skills
Fast learner with the ability to rapidly acquire detailed knowledge of departmental policies, practices and procedures
Must be organized and possess excellent customer service skills
Ability to multi-task, meet deadlines, and work in a fast-paced environment
Reports to work on a daily and timely basis
JOB DUTIES AND RESPONSIBILITIES
Essential Duties:
Evaluate the financial position of the mortgagor(s) to determine the appropriate workout option best suited for the situation; this entails a review of the mortgagor(s) income and expenses, income tax returns, balance sheets/income statements for self-employed borrowers and credit reports
Prepare necessary documentation to complete repayment plans, forbearance plans and Loan Modification Trial Agreements in accordance with Investor/Insurer Guidelines
File and monitor Claims for loss mitigation workouts in accordance with Investor/Insurer guidelines
Provide documentation to Investor Accounting department and Customer Service department to update LPS to reflect modified terms
Identify and submit qualified Loss Mitigation cases to appropriate Investor/Insurer for final modification approval
Close and remove all loss mitigation stops and flags upon loss mitigation completion
Prepare, scan, and upload loss mitigation documents
Monitor status of repayment plans, forbearance plans, and trial period plans and update servicing system and investor system of record with payment records as needed
Accurately and timely update servicing system to reflect current status of file
Maintain updated desktop procedures for job duties.
Communication:
Respond politely and courteously to customer inquiries via email and telephone and make sure that any problems they have is resolved
Mail additional document request notifications to borrowers within allotted timeframe to remain in compliance
Mail acknowledgment letters to borrowers within allotted compliance timeframe
Mail all approval, denial, and appeal decision letters within allotted compliance timeframe
Handle all written correspondence between the borrowers, client, investor, insurer, subordinate lien holders, real estate agents, consumer credit counselling services, foreclosure attorney, and 3rd party vendors
Excellent level of oral and written communication skills. Ability to communicate across a variety of audiences.
Administrative:
Manage files from acknowledgment to submission
Request and follow up on foreclosure holds as necessary
Request and follow up on foreclosure cost and fee
Release daily Loss Mitigation print jobs
Perform other related duties, as assigned
WORKING CONDITIONS (TRAVEL,HOURS,ENVIRONMENT)
This position is currently designated as a hybrid (part in-office and part remote/Telework) position. This position is full-time (40 hours per week) and may require occasional overtime. This position is salaried. Work hours are between 8:00 am - 5:00 pm on Monday-Friday.
While performing the duties of this job, the employee will work primarily in a climate- controlled office environment with minimal safety/health hazard potential
PHYSICAL / SENSORY REQUIREMENTS:
Work is principally stationary, but the person in this position needs to occasionally move about inside the office to access file cabinets, office machinery, etc., and constantly operates a computer and other office equipment.
Must be able to remain in a stationary position 50% of the time.
Must be able to perform office-related duties.
Must be able to operate office equipment.
Must be able to establish and maintain effective working relationships with employees, tenants, and community agencies and other entities that provide services.
Must be able to perform essential job functions, with or without reasonable accommodation.
Must be able to perform essential job functions in an environment that will sometimes include increased levels of work-related stress.
Must maintain punctuality and attendance as scheduled.
NOTE: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, age, disability, protected veteran status, or any other characteristic protected by law. All qualified applicants will be considered but may not necessarily receive an interview. Due to the large volume of submissions received by this office, information concerning application and/or interview status cannot be provided. Selected applicants will be contacted for next steps in the interview process. Applicants who are not selected will not receive notification. This position is subject to close at any time once a satisfactory applicant pool has been identified.
DCA is an Equal Opportunity Employer. If you need accommodation for an interview, please contact the Human Resources Office at (404) 679-4845
Hiring is contingent upon satisfactory results of employment verification, background, criminal records investigation and motor vehicle reports.
This job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the business and requirement of the job change. This job posting may close at any time upon gaining a sufficient applicant pool from which to select a qualified candidate.
All duties and responsibilities listed are considered to be essential job functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. Marginal functions of the position (those that are incidental to the performance of the job duties) have not been included. However, the omission of specific statements of duties does not exclude them from the position if the work is similar, related, or logical assignment to the position.
High school diploma/GED and six (6) years of experience in real estate; or directly job-related experience; or one (1) year of experience at the lower level Housing Loan Spec 2 (REP031) or position equivalent.
Additional Information
Agency Logo:
Requisition ID: REA00EF
Number of Openings: 1
Advertised Salary: $48k-$50K
Shift: Day Job
Internal Contact Name: Tara Montgomery
Internal Contact Email: tara.montgomery@dca.ga.gov
Posting End Date: Sep 28, 2025
