Walking into the Servbank office you instantly feel the energy of our team. The bright and colorful space creates a casual happy environment. The connection you feel from the smiling faces and team comradery will make you feel right at home.

This Mortgage Single Point of Contact SPOC role provides:

• $19.38 + the Potential of up to $1,500 in monthly bonuses
• Bilingual: $19.88 + the Potential of up to $1,500 in monthly bonuses
• 3 weeks of vacation your first year
• PLUS sick pay
• health benefits that kick in within 30 days
• PLUS our internal promotion process within 6 months provides room to GROW!

The Mortgage Single Point of Contact will have advanced skills and techniques relative to customer service, collections and loss mitigation of residential mortgage loans. Fully versed and compliant with all the state and federal regulatory collection and loss mitigation requirements, including but not limited to, the CFPB’s January 2014 implementation.

Represents the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting the mission statement, and adhering to company core values in all functions of the job responsibilities and interaction with internal and external customers. Will be responsible for handling all stages of the account ranging from On Time Payments, Early Payment Default, Late Stage Collections as well as Loss Mitigation ranging from Retention to Liquidation. Will perform all duties in accordance with internal policies and procedures and all state and federal regulations. It is important to understand each borrower’s personal situation and make appropriate recommendations and arrangements to avoid future defaults, while educating the borrower on the process of a delinquent loan. All employees of Servbank employees are expected to provide quality customer service and maintain high ethical standards when serving our clients.

About Servbank

Allied First Bank, sb dba Servbank, founded in 1994 in Illinois. As one of the nation’s Top 10 subservicing providers, we are putting the “service” back into subservicing by offering the winning combination of People + Technology. Our people are dedicated professionals with industry experience, who are committed to providing superior customer service and personalized support for our clients. Our innovative technology gives you fully transparent, 100% accessible, on-demand view of your portfolio. Servbank is a full-service subservicer, with a diverse portfolio and quality products and services, who is dedicated to our partners’ success. Grow happiness with us and drive your business forward.

Servbank is a different kind of company, and we do business a different way. Because home is where the heart is, every action we take is heartfelt.

We take pride in being an innovative, autonomous, customer-service focused, and tech-oriented company. By living our Core Values of People Matter, Inspiring Leadership, Strength of Character and Rock Solid Service, we have created a culture of excellence that strives to provide the one thing that all of our customers seek: The Perfect Customer experience!

Duties and Responsibilities:

• Proactively communicates with customers and authorized third parties to ensure, based upon facts presented at the time, understanding of all potential outcomes at each step of the process (e.g. point of entry into loss mitigation, point of denial of loss mitigation, point of workout offer, point of foreclosure sale). Respond to borrowers’ questions utilizing available resources (e.g. account information, modification and/or foreclosure specialists, etc).
• Default services policies and procedures outlined by The Money Source Inc.
• Contacts borrowers with delinquent mortgages, using all attempts to cure the delinquent accounts using loss mitigation or other work-out options.
• Negotiate payment arrangements, keeping our borrowers in their homes and keeping loans from advancing through the delinquency cycle.
• Maintaining an open line of communication with the borrower(s) after payment is received, allowing for early intervention and preempting future delinquencies.
• Maintains and documents MSP Workstations.
• Collects and reviews borrower’s financial and hardship documents to determine best workout options biased on their unique situation.
• Maintains thorough working knowledge of all loss mitigation offerings for all investors and insurers, as well as state and federal guideline updates.
• Ensure all verbal and written communication with the borrower and authorized third parties is in a manner that is simple to understand, empathetic to the borrowers' financial situation, professional, and represents a strong breadth of knowledge.
• Complies with all state and federal laws.
• Collaborates with various support departments within servicing to identify needs, propose innovative solutions and deliver results while meeting deadlines in a professional manner.
• Answer incoming calls from homeowners whose mortgage payments are delinquent and counsel them accordingly, with an understanding that the primary focus is to bring the account current.
• Make outbound predictive dialer calls to delinquent borrowers as scheduled.
• Attain delinquency resolution through payment, repayment plans, loss mitigation solicitation and financial interviews as required.
• Escalates issues timely to applicable channels.
• Performs such other duties as may be assigned by Supervisor or other Management staff.

Experience and Skills

• Competent use of Collections and Loss Mitigation tools and techniques
• 1 year of recent (within 3 years) Collections/Loss Mitigation Experience preferred
• Excellent oral and written communication skills
• Microsoft Office proficiency (Word processing and spreadsheets, data entry, PC input, etc.)
• Familiarity with Investors’ and PMI practices
• Residential and consumer product knowledge
• Loan servicing knowledge a plus (investor, escrow, payoff, cashiering, ARM, etc.)
• Effective negotiating skills
• Goal oriented
• Collaborative and influential
• Ability to multi-task in a fast-paced environment
• Excellent organizational and time management skills
• Predictive Dialer experience preferred.
• Must be able to work independently
• Knowledge of CHFA/FHA, GNMA, FNMA, FHLMC, and various other investor loss mitigation

Education

Experience in a Loss Mitigation Mortgage Servicing environment.

EEO Statement: We’re an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.'