Manage individual accounts at the 30, 60 and 90+ day level in delinquency, request payments to avoid further delinquency actions, single point of contact for past due borrowers, build and cultivate relationships with borrowers, Achieve production standards set each month, Evaluate loans for possible foreclosure referral, work with borrowers thru the Deed in Lieu, modification or short sale process.

Act as a liaison between customers and internal workout groups in order to assist customers in resolving delinquencies with appropriate solutions in alignment with investor guidelines, while providing best in class support. Act as an owner of in-depth servicing issues research, including payment discrepancies, escrow inquiries, and contact difficulties. Audit, review account to make sure meet investor guidelines during any workout agreement, research documents and system notes to determine the best course of action to correct account issues. Answer inbound calls and make outbound calls to resolve delinquencies and offer workout alternatives to foreclosure. Track and manage requests for research from internal and external customers. Report on system queue progress, based on assignments. Determine if partial payments will be accepted or return to borrowers facing foreclosure process, Process request to start or remove foreclosure actions. Investor reporting to Fannie Mae, VA and other private investors.

Correspond with customers, brokers, title companies, and attorneys in order to facilitate delinquency resolution through advanced contact, consultation, and collection efforts. Analyze and compare short payoff, modification, payment plan, and deed-in-lieu scenarios. Recommend best resolution to management and customers. Negotiate and close optimal outcome with customers, brokers, and attorneys. The process requires information gathering, documentation analysis, and file preparation/maintenance. Meet daily, weekly and monthly productivity standards and consistently achieve monthly goal objectives. This consists of calls standards and accounts worked. Meet Monthly Quality Assurance standards as defined by the business. Outbound/inbound calls on seriously delinquent accounts in foreclosure or loss mitigation and determine necessary actions. Manage a queue of approximately 200-300 accounts per month.

Portfolio Retention, refinance, cash out loans, HELOC, 2nd liens, The role of Loan Officer is originating residential real estate mortgage loans. This includes obtaining applications as well as coordinating and assisting in the processing and closing of loans. The Loan Officer develops and maintains existing client relationships as well as identifies and pursues potential new customer opportunities. Promote loans through current customers and new customers. Develop relationships with new and current Realtors, builders and borrowers to promote continuous business. Interview and pre-qualify prospective borrowers, Comply with all disclosure requirements and timeframe expectations, Advise borrowers of lock-in policy and ensure lock requests are completed accurately, Inform borrowers and related parties of loan product options and parameters, and other requirements needed to close the loan, Meet and maintain all licensing requirements including continuing education, Review new loan guidelines, programs, disclosure updates and changes.

Oversees work of the Assistant Branch Manager, Teller Managers, Tellers and Personal Bankers. The Branch Manager ensures all sales and service goals are achieved. Active sales leader over the sales function of the branch office, actively involved in branch efforts to cross sell bank products and services, providing quality service to customers and co-workers, assisting them when possible or referring them to the appropriate area. Provides coaching and feedback to the Personal Bankers. Responsible for the implementation and monitoring of audit and compliance functions of operations staff. Maintains prescribed security controls from Regional Leadership. Exercises the usual authority of a manager concerning staffing, performance review, promotions, salary recommendations and terminations. Follows all compliance policies and procedures.