Home Mortgage Loss Mitigation Decisioning Senior Specialist
Citizens, Glen Allen, Virginia, United States, 23060
Job Overview
As the Home Mortgage Loss Mitigation Decisioning professional, you will perform reconciliation on files received from the Front End Fulfillment Group, entering data into the loan system. The group will send tasks to Decisioning; you acknowledge receipt and review files for complete documentation.
Primary Responsibilities
Analyze property valuations to determine loss exposure.
Complete steps within the decisioning process workflow within assigned timelines to ensure maximum customer experience.
Handle inbound calls from customers with questions related to their specific workout process.
Ensure all regulatory requirements are met for each account within the workout process.
Assist management with forecasting pipeline volumes, loan losses, and delinquency based upon closed workouts.
Analyze financial information to determine the most effective workout strategy.
Review financial data reported for accuracy; e.g., does customer reported data match actual financials.
Qualifications, Education, Certifications And/or Other Professional Credentials
Required Qualifications
Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac).
Proficiency in automated underwriting systems Back in the Black (BITB).
Ability to interpret credit reports, income documentation, and appraisal reports.
Detail-oriented with strong analytical and decision-making skills.
Preferred Qualifications
Bachelor’s degree or two years equivalent experience.
Hours & Work Schedule
Hours per Week: 40
Work Schedule: 8am-5pm Monday‑Friday
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Why Work for Us At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.
Posting End Date: 03/14/2026
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Primary Responsibilities
Analyze property valuations to determine loss exposure.
Complete steps within the decisioning process workflow within assigned timelines to ensure maximum customer experience.
Handle inbound calls from customers with questions related to their specific workout process.
Ensure all regulatory requirements are met for each account within the workout process.
Assist management with forecasting pipeline volumes, loan losses, and delinquency based upon closed workouts.
Analyze financial information to determine the most effective workout strategy.
Review financial data reported for accuracy; e.g., does customer reported data match actual financials.
Qualifications, Education, Certifications And/or Other Professional Credentials
Required Qualifications
Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac).
Proficiency in automated underwriting systems Back in the Black (BITB).
Ability to interpret credit reports, income documentation, and appraisal reports.
Detail-oriented with strong analytical and decision-making skills.
Preferred Qualifications
Bachelor’s degree or two years equivalent experience.
Hours & Work Schedule
Hours per Week: 40
Work Schedule: 8am-5pm Monday‑Friday
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Why Work for Us At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.
Posting End Date: 03/14/2026
#J-18808-Ljbffr