Mortgage Resolution Specialist presso PenAir Credit Union

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve from Mobile County, Alabama to Leon County, Florida. 

Careers
Do you have a passion for helping others?
Currently, PenAir provides access to 11 convenient locations in Baldwin County, AL and Escambia and Santa Rosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.  

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you? 

The PenAir difference.
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

• Up to $15K available for continuing education
• Student Loan Paydown
• Adoption Assistance Reimbursement
• Wellness Programs
• Gym membership reimbursement
• Formal Career Development Resources
• Financial Wellness Resources
• Purchase assistance with computers and fitness equipment.

Benefits Package Highlights:

• Generous PTO Plan—20 days for new hires
• Paid Maternal & Parental Leave
• Competitive Retirement Plan
• Competitive medical, dental & vision plans
• Company paid Telehealth services.
• Company paid Short Term Disability
• And more……….!

The starting pay for this role is $23.81/hour.

About the role:

Recover money owed to Pen Air Credit Union for delinquent Mortgage and HELOC accounts. Collect payment from members by determining the appropriate contact method, while ensuring compliance with Fair Debt Collection Practices Act and all other regulatory guidelines. Manage the remarketing and maintenance of foreclosed property and assist the attorney with recovery on the losses of those transactions.

Major Duties and Responsibilities:

• Contacts delinquent accounts by phone and mail; takes appropriate action to bring current.
• Analyzes financial situation of delinquent borrower; makes recommendations to refer account to the watch list or ALLL report when other arrangements to bring the loan current are unsuccessful.
• Oversee the remarketing process of foreclosed properties, including ordering appraisals, property maintenance, and listing of the property.
• Identifies modification opportunities for our membership and prepares documentation to present to management.
• Compiles and prepares information for monthly reports and ensures timely delivery to appropriate departments and supervisor.
• Prepares all necessary documentation for litigation
• Performs skip tracing to assist in locating difficult members.
• Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.
• Performs other job-related duties as assigned.

Minimum Qualifications:

• Three years to five years of similar or related experience, including preparatory experience. 
• A high school degree or equivalent. Registered as an active Mortgage Loan Originator (MLO) on the NMLS site. Must renew registration each year and update when changes to name, address, etc. occur.
• A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.

Other Skills:

• Must possess attention to detail, time management skills, and excellent telephone communication skills.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.