Job Summary:

• Communicate with attorney firms on daily basis to facilitate the completion of scheduled foreclosure milestones
• Work with attorney firms to resolve issues where additional information or documentation is needed
• Communicate with investors or insurers for process recommendations, approvals, resolutions, etc. 
• Complete and scrutinize all timeline management reporting on loans active in foreclosure to assess process delays
• Ensure appropriate investor/insurer reporting has occurred on justified delays
• Escalate exceptions to clear unwarranted delays
• Notify the attorney firm or other vendors of culpability or loss demands. 
• Proceedings and maintain exception reporting
• Complete bidding instructions
• Calculate VA buydowns, and other documents to support the foreclosure action in accordance with regulatory, investor and insurer guidelines.

Skills on Resume: 

• Communication (Soft Skills)
• Problem Solving (Soft Skills)
• Reporting (Hard Skills)
• Timeline Management (Hard Skills)
• Escalation (Soft Skills)
• Documentation (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Bidding Instructions (Hard Skills)

Job Summary:

• Validate consumer impact and regulatory requirements for certain components that occur during foreclosure activity (e.g., credit reporting, IRS reporting, loss mitigation initiatives, bankruptcy filing, etc.
• Review all foreclosure actions daily/weekly/monthly to ensure processes, issues, etc. are completed timely and within investor, insurer and regulatory guidelines
• Ensure accounts are properly documented with actions taken, correspondence, and explanation of controllable vs non controllable delays
• Review and approve exception processes or expenses related to foreclosure actions
• Report all foreclosure sale results and complete all post-sale functions in accordance with regulatory, investor and insurer requirements
• Update various systems and ensure information is accurate, complete, and accessible.
• Perform periodic analyses and reviews of data. 
• Investigate exceptions and audit citations
• Research and/or prepare documentation or analyze requests in accordance with established guidelines and determine the appropriate course of action
• Assist management in regulatory implementation, notices and requirements

Skills on Resume: 

• Validation (Hard Skills)
• Reviewing (Hard Skills)
• Documentation (Hard Skills)
• Exception Management (Hard Skills)
• Reporting (Hard Skills)
• Data Analysis (Hard Skills)
• Research (Hard Skills)
• Regulatory Knowledge (Hard Skills)

Job Summary:

• Gather all documentation for foreclosure and assemble foreclosure referral packets.
• Working knowledge and thorough understanding of the business unit's operational processes and the implications of other groups that function within the operations
• Demonstrate a good working knowledge of the department processes and procedures with the ability to identify and implement process improvement opportunities
• Adhere to company and department policies and procedures, as well as direction from management
• Follow established company guidelines to gain revenue and reduce losses
• Facilitate conference calls with attorneys and investors to discuss loan statuses.
• Review tasks and follow-ups daily to ensure they are completed within company timeframes
• Complete additional duties as assigned by management
• Provide new-hire training assistance
• Assist management with project assignments

Skills on Resume: 

• Documentation (Hard Skills)
• Process Knowledge (Hard Skills)
• Process Improvement (Hard Skills)
• Policy Adherence (Soft Skills)
• Revenue Management (Hard Skills)
• Communication (Soft Skills)
• Task Management (Soft Skills)
• Training (Soft Skills)

Job Summary:

• Completes pre-foreclosure reviews to ensure all statutory foreclosure requirements have been met
• Completes and ensures bd and figures are accurate through an audit process
• Calculates foreclosure fees & costs
• Review accounts for default changes
• Requests and review payments histories, Repayment/Trial Plans and Denial letters sent by the servicer
• Previews all paperwork to ensure the property is ready for sale per servicing and investor guidelines
• Performs and reviews SCRA searches
• Process all foreclosure postponements
• Reviews service providers' internal websites for sale clearances
• Adherence to company and department policies and procedures
• Follows established company guidelines to increase revenue and reduce losses
• Reviews tasks daily to ensure they are completed within company timelines

Skills on Resume: 

• Pre-Foreclosure Review (Hard Skills)
• Audit (Hard Skills)
• Fee Calculation (Hard Skills)
• Account Review (Hard Skills)
• Documentation Review (Hard Skills)
• Compliance (Soft Skills)
• Task Management (Soft Skills)
• Revenue Management (Hard Skills)

Job Summary:

• Complete timely and accurate reviews of past due loans on a daily basis that meet foreclosure referral requirements and/or manage a portfolio of foreclosure quote requests.
• Ensure adherence to all regulations, state and investor/insurer guidelines and CFPB guidelines.
• Review multiple document imaging systems to obtain all data required to complete a foreclosure referral and/or quote request.
• Manage escalation requests via M&T Bank Systems, emails, and verbal direction.
• Conduct research and review prior servicer payment histories.
• Work closely with other teams within Customer Asset Management (CAM), Collections, Loss Mitigation, SPOC and component servicing team to ensure proper approval or denial before activating the foreclosure process and customer and attorney quote inquiries are handled expeditiously.
• Understand the required referral documents and imaging systems.
• Perform quality control review of off-shore team document uploads to the system of record to ensure foreclosure counsel is able to move through the foreclosure timeline on schedule.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

Skills on Resume: 

• Loan Review (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Document Management (Hard Skills)
• Escalation Management (Soft Skills)
• Research (Hard Skills)
• Collaboration (Soft Skills)
• Quality Control (Hard Skills)
• Internal Controls (Hard Skills)

Job Summary:

• Reviews and updates MSP with foreclosure information.
• Monitors foreclosure actions through Black Knight/LPS Desktop.
• Communicates with attorneys, trustees, Investors, Loan Resolution and other lines of business to ensure timely resolution on all cases.
• Responds to any phone calls/voice messages with 24 hours.
• Handles inquiries by responding to emails, intercoms within 24 hours.
• Escalates document execution, document retrieval matters.
• Prepares bidding instructions per internal guidelines.
• Works internal MSP task queues and removes files from foreclosure
• Participates in department progress in reducing timeline delays.
• Works on exception reports.
• Understands mortgage loan servicing and the default, foreclosure, bankruptcy and loss mitigation processes.
• Reads legal terms and conditions and understands the meaning and how they apply to work processes.

Skills on Resume: 

• Foreclosure Review (Hard Skills)
• Communication (Soft Skills)
• Escalation (Soft Skills)
• Bidding Instructions (Hard Skills)
• Task Management (Soft Skills)
• Exception Management (Hard Skills)
• Mortgage Servicing (Hard Skills)
• Legal Understanding (Hard Skills)

Job Summary:

• Billing to internal and external clients, processing 25-30 daily invoices
• Review and understand foreclosure files
• Review vendor invoices and verify accuracy
• Review and correct vendor information and confirmation numbers
• Review and correct costs according to the foreclosure process, vendor invoices and investor guidelines
• Review and correct trustee and mailing fees according to the foreclosure process, vendor invoices and investor guidelines
• Review and perform necessary fee and cost adjustments for bankruptcy, file restarts and reinstatement or payoff quote adjustments
• Accurately record vendor receivables in FSI
• Record approved fee adjustments
• Maintain attention to detail when analyzing and interpreting business processes and functions

Skills on Resume: 

• Billing (Hard Skills)
• Invoice Review (Hard Skills)
• Cost Adjustment (Hard Skills)
• Vendor Management (Hard Skills)
• Data Entry (Hard Skills)
• Fee Adjustment (Hard Skills)
• Receivables Management (Hard Skills)
• Attention to Detail (Soft Skills)

Job Summary:

• Prepare Real Estate loan files for timely and accurate foreclosure approval (starting prep at 90 days past due) per defined polices and applicable procedures
• Perform Loan Title and Lien Analysis
• Adhere to the Pre-Foreclosure Preparatory Checklist and related procedures pertaining to Foreclosure file referral requirements
• Oversee the accurate and timely assignment of foreclosure loans to the representing Attorney Firms/Counsel
• Apply in‐depth foreclosure experience to the monitoring and foreclosure process for the assigned portfolio of loans.
• Ensure all information required by attorneys and internal/external business partners is timely provided via specific requests and day-to-day account monitoring.
• Work with business partners as applicable to ensure efficient processes and procedures are in place and/or updated
• Adhere to Foreclosure timeline management practices (Judicial vs. Non-Judicial)
• Escalate to management information on attorney firms that are causing timeline/communication issues
• Prepare Foreclosure Bid Strategy Instructions in a timely manner according to State and/or Investor guidelines

Skills on Resume: 

• Loan Preparation (Hard Skills)
• Title Analysis (Hard Skills)
• Foreclosure Process (Hard Skills)
• Attorney Management (Soft Skills)
• Portfolio Monitoring (Hard Skills)
• Process Improvement (Soft Skills)
• Timeline Management (Hard Skills)
• Bid Strategy (Hard Skills)

Job Summary:

• Maintains knowledge of and adheres to the principals and practices of federal, state, and local requirements
• Maintains knowledge of and adheres to KeyBank and/or Investor guidelines daily
• Verifies accuracy of vendor invoices prior to submitting requests for invoice processing
• Process bank ticket work as needed
• Participate in any investor/insurer training necessary.
• Comply with all policies and procedures as outlined in operating instructions.
• Meet minimum individual and departmental goals and service level agreements.
• Participate in and facilitate information sharing with manager, business partners, and peers in a timely and efficient fashion to ensure widespread communication.
• Evaluate key performance indicators associated with designated operational processes, pinpointing financial and quality areas of opportunity, and selecting appropriate courses of action
• Review and complete weekly reporting as applicable/required
• Best practice sharing and continuous improvement idea generation
• Diminishes risk to the corporation by ensuring regulatory and risk compliance

Skills on Resume: 

• Regulatory Compliance (Hard Skills)
• Vendor Verification (Hard Skills)
• Ticket Processing (Hard Skills)
• Training (Soft Skills)
• Policy Adherence (Soft Skills)
• Goal Achievement (Soft Skills)
• Communication (Soft Skills)
• Risk Management (Hard Skills)

Job Summary:

• Reviews and updates the status of all assigned accounts in a timely and accurate fashion and in accordance with Bank, Investor, and Insurer procedures.
• Maintains compliance with all processes and procedures.
• Ensures all investor criteria is being adhered to in accordance with the servicing contracts.
• Documents all efforts by inputting to the MSP Foreclosure, and Bankruptcy Workstations.
• Provides necessary instructions, loan/borrower information to, or requests the services of, attorneys, appraisers, property inspectors, and real estate brokers in order to bring cases to resolution through reinstatement, payoff, property acquisition, or sale.
• Prepares proposals for loss mitigation/workout/forbearance, foreclosure bidding, property preservation, and/or real estate sales for review and authorization by Management.
• Track's foreclosure sale dates and judicial law dates in order to provide timely and accurate anticipated property acquisition information to Management.
• Prepares Affidavits of Debt, Payoff Letters, and other relevant documents for execution by Management.
• Reports required Foreclosure data to Investors and Insurers through various web-based software applications.
• Prepares payment transactions for processing according to appropriate case status.
• Prepares, submits, and tracks mortgage insurance claims and expense reimbursement requests through final resolution.
• Responds accordingly to incoming mail, telephone calls, and other external inquiries.

Skills on Resume: 

• Account Review (Hard Skills)
• Compliance (Hard Skills)
• Investor Adherence (Hard Skills)
• Documentation (Hard Skills)
• Communication (Soft Skills)
• Proposal Preparation (Hard Skills)
• Data Reporting (Hard Skills)
• Claim Management (Hard Skills)

Job Summary:

• Transitions foreclosed cases out of active loan portfolios and into REO general ledger accounts.
• Reviews incoming expense invoices for accuracy and compliance with established fee schedules. 
• Informs Management of discrepancies or extraordinary items.
• Assists Management in generating monthly, quarterly, and year end processing and reports.
• Analyzes data and makes recommendations on how to improve trends.
• Maintains high level of confidentiality to protect privacy rights.
• Possesses a strong knowledge and understanding of insurer, investor, regulatory and state regulations/guidelines.
• Escalates matters to team lead to ensure resolution.
• Monitors and manages exception reports.
• Stays informed of industry changes as related to servicing activities.
• Possesses a general understanding of the different legal processes to foreclose in various states.
• Possesses a general understanding of mortgage loan servicing and the default, foreclosure, bankruptcy and loss mitigation processes.

Skills on Resume: 

• Data Analysis (Hard Skills)
• Confidentiality (Soft Skills)
• Regulatory Knowledge (Hard Skills)
• Escalation (Soft Skills)
• Exception Management (Hard Skills)
• Reporting (Hard Skills)
• Industry Knowledge (Hard Skills)
• Loan Servicing (Hard Skills)

Job Summary:

• Handle all correspondence between owners, courts, and/or attorneys related to servicing a legal account
• Drafting and sending responses to owners, attorneys, and trustees to resolve issues
• Maintain a database to track the flow of accounts through the legal process
• Maintain and update status detail changes for accounts as they flow through the legal process
• Attempt to recover inventory by calling owners, attorneys, and trustees
• Attend meetings with the bankruptcy/legal team and report status of accounts in summary and detail on a monthly basis
• Assist the Recovery/Administration Supervisor in special projects or other administrative functions
• Act as a Subject Matter Expert on mortgage documentation and imaging locations.
• Maintain a working knowledge of default servicing processes and foreclosure referral timelines.
• Review loans to ensure all federal and state laws and regulations have been met and all investor requirements have been completed in order to refer the loans to foreclosure in a timely manner.

Skills on Resume: 

• Correspondence (Soft Skills)
• Drafting (Hard Skills)
• Database Management (Hard Skills)
• Account Tracking (Hard Skills)
• Inventory Recovery (Soft Skills)
• Team Collaboration (Soft Skills)
• Mortgage Expertise (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Monitors foreclosure actions to ensure compliance with investor, insurer and regulatory guidelines.
• Prepares bidding instructions, ensuring compliance with investor, insurer, state and regulatory guidelines.
• Completes quality control of the bidding instructions process.
• Orders and monitors appraisal for completion of bidding instructions.
• Processes all foreclosure sale results within the investor, insurer, state and regulatory guidelines.
• Monitors the receipt of funds from 3rd party sales.
• Maintains caseload and ensures all systems are updated accurately and timely.
• Works all task, processes, events, issues, re-projections and holds within required deadlines.
• Responds to any phone calls/voice messages, intercoms and emails within 24 hours.
• Communicates with attorneys, trustees, investors and Loan Resolution daily.
• Manages vendor and attorney network to ensure files are worked in accordance with all investor, insurer, state and regulatory guidelines.

Skills on Resume: 

• Compliance Monitoring (Hard Skills)
• Bidding Instructions (Hard Skills)
• Quality Control (Hard Skills)
• Appraisal Management (Hard Skills)
• Fund Management (Hard Skills)
• Task Management (Soft Skills)
• Communication (Soft Skills)
• Vendor Management (Soft Skills)