Loan Workout Specialist

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    "city": "Las Vegas",
    "region": "NV",
    "country": "United States",
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    "url": "https://careers-cacu.icims.com/jobs/2949/loan-workout-specialist/job",
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    "title": "Loan Workout Specialist",
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    "datePosted": "2024-06-06T19:57:30.689Z",
    "description": "<h2>Summary</h2>\n<p>The Loan Workout Specialist provides loan workout options to members who risk repossession, foreclosure, or charge-off due to financial hardships by managing their loss mitigation requests.  Work directly with members to explain the loan modification process, taking applications, and provide repayment solutions; ensuring that loss mitigation requests, including but not limited to short sales, workout loans, short-term modifications, and debt management proposals, are handled in a timely manner.  In addition, the Loan Workout Specialist will work with debt management companies, attorneys and real estate agents based on the type of loss mitigation request.</p>\n<p> </p>\n<p><strong>Role Hours:</strong></p>\n<ul>\n <li><strong>Monday-Friday from 9am PT - 6pm PT</strong></li>\n</ul>\n<h2>Duties & Responsibilities</h2>\n<ul>\n <li>Correspond directly with members to identify hardships and reasons for non-payment on credit union loans.</li>\n <li>Utilize knowledge and experience to determine suitability of workout plans for members experiencing financial hardships. Evaluate temporary or permanent loss mitigation programs such as, but not limited to account re-ages, loan extensions, repayment plans, forbearance agreements, loan workouts/modifications, and short sales.</li>\n <li>Identify, maintain, track, and log requested documentation from members for loss mitigation review.</li>\n <li>Perform financial analysis, evaluate collateral value, and determine overall risk to mitigate losses.</li>\n <li>Work with members who are experiencing temporary hardships, utilizing credit union emergency/disaster assistance programs, such as the Endurance Plan.</li>\n <li>Negotiate and close short sales, communicating directly with members, attorneys and/or real estate agents; understanding residential real estate contracts, addendums, and effectively negotiate the short sale in the credit union’s best interests.</li>\n <li>Manage modification proposals received from non-profit-third-party debt management companies (i.e. consumer credit counseling), including analysis of the proposal within credit union agreement guidelines, corresponding with the agency the acceptance or denial of the proposal; processing modifications and follow-up on non-payment.</li>\n <li>Obtain Financial Counseling Certification and provide financial counseling to members through the workout process.</li>\n <li>Follow and apply state and federal laws in the review and processing of items.</li>\n <li>Make sound decisions that consider credit union risk and member service.</li>\n <li>Backup other duties within the department.</li>\n <li>Promote honest and open communication throughout the credit union, demonstrating behaviors that are consistent with the credit union’s values, philosophies, and leadership characteristics.</li>\n <li>Work with other credit union departments to ensure the workflow or process is providing the best service to the members.</li>\n <li>Other duties as assigned.</li>\n</ul>\n<h2>Requirements</h2>\n<p><strong><em><u>Education and Experience Requirements:</u></em></strong></p>\n<ul>\n <li>Associate degree in business administration or two (2) years of experience in a financial institution in an operations/back office or teller position.</li>\n <li>One (1) year Contact Center or Customer Service experience.</li>\n</ul>\n<p><strong><em><u>Required Knowledge, Skills and Abilities:</u></em></strong></p>\n<ul>\n <li>Extensive knowledge of financial institution operations processes.</li>\n <li>Knowledge of standard loss mitigation requirements and programs.</li>\n <li>Knowledge and ability to apply rules and regulations pertaining to direct responsibilities and other duties within the department.</li>\n <li>Knowledge of credit union services and products.</li>\n <li>Ability to communicate effectively in writing and verbally.</li>\n <li>Ability to handle highly emotional chats and phone calls with professionalism and empathy while still adhering to the departments policies and guidelines.</li>\n <li>Ability to resolve interpersonal conflict and miscommunications.</li>\n <li>Knowledge of spreadsheet software and ability to use word processing software.</li>\n <li>Must be able to be bonded.</li>\n</ul>\n<p><strong><em><u>Preferred Knowledge, Skills and Abilities:</u></em></strong></p>\n<ul>\n <li>Bachelor’s degree preferred.</li>\n <li>Extensive CommunityAmerica experience preferred.</li>\n</ul>",
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          "postalCode": "89119",
          "addressRegion": "NV",
          "streetAddress": "375 E Warm Springs Ste 103 Las Vegas NV, 89119",
          "addressCountry": "US",
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    "validThrough": "2027-06-06T19:57:30.689Z",
    "employmentType": "FULL_TIME",
    "hiringOrganization": {
      "name": "CommunityAmerica Credit Union",
      "@type": "Organization",
      "sameAs": "https://www.communityamerica.com/"
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