Default Risk Specialist

Accountabilities

• • Monitor and resolve litigated matters and title curative actions associated with delinquent mortgage loans.
  • Manage assigned cases and analyze their merits to determine potential financial and operational risk.
  • Assist legal counsel in developing resolution strategies consistent with applicable laws, regulations, and investor guidelines.
  • Maintain accurate system-of-record information and reporting regarding litigation status, title curative activity, resolution strategies, critical events, and deadlines.
  • Prepare, review, and discuss portfolio updates, risks, and recommendations with senior management and clients.
  • Identify trends and recurring issues resulting from process gaps and recommend corrective actions to department leadership.
  • Ensure assigned portfolios are handled in accordance with applicable investor requirements and servicing guidelines.
  • Communicate professionally and effectively with attorneys, senior management, clients, title companies, and other stakeholders.
  • Respond to management and client inquiries and provide well-supported recommendations for resolution.
  • Attend hearings, trials, depositions, and other legal proceedings on behalf of the organization, with travel potentially exceeding 50%.
  • Monitor activity across multiple accounts assigned to outside counsel and support settlement negotiations when required.
  • Maintain confidentiality of sensitive legal, financial, and customer information while meeting strict deadlines and productivity expectations.
  • Perform additional duties and special projects as assigned.

  Requirements

  • High school diploma or equivalent required; a bachelor's degree is preferred.
  • Paralegal certificate, legal experience, and/or at least 4 years of default servicing and title curative experience.
  • Previous experience in mortgage default servicing, preferably in a role involving litigation, title resolution, or legal processes.
  • Working knowledge of mortgage banking and regulations including RESPA, FFDCPA, GLBA, and applicable federal and state foreclosure laws.
  • Ability to interpret government, regulatory, and departmental guidelines and audit work outputs for compliance.
  • Advanced analytical and problem-solving skills, with the ability to evaluate complex issues and recommend appropriate solutions.
  • Strong verbal and written communication skills, including professional electronic correspondence with attorneys, clients, and senior stakeholders.
  • Strong organizational, multitasking, prioritization, and attention-to-detail skills in a high-volume environment.
  • Ability to interpret legal terms and conditions and understand how they apply to operational processes.
  • Demonstrated ability to analyze data, identify trends, and recommend process improvements.
  • Proven ability to manage multiple accounts, prioritize workflows, and meet critical deadlines.
  • Experience working directly with attorneys and negotiating settlements.
  • Strong PC skills, including advanced proficiency with Microsoft Word, Excel, Access, Internet applications, and mortgage servicing systems such as MSP/LPS/Fidelity.
  • Ability to maintain strict confidentiality and exercise sound judgment when handling sensitive information.
  • Self-motivated, adaptable, and comfortable working in a fast-paced, multifaceted environment.
  • Willingness and ability to travel as required, potentially exceeding 50%.
  • Ability to work normal business hours and, when necessary, early, late, or weekend hours, including overtime.

  Benefits

  • Compensation range of $19.33–$28.89 per hour, with actual compensation based on qualifications, skills, experience, and other relevant factors.
  • Optional medical, dental, vision, life, and disability insurance.
  • Paid holidays, vacation, and sick leave.
  • 401(k) plan with employer matching.
  • Employee stock purchase opportunities.
  • Mental health and wellness resources, including complimentary Calm memberships.
  • Employee recognition programs celebrating achievements and milestones.
  • Gym membership, pet insurance, and employee purchasing discounts.
  • Tuition reimbursement to support continued education and professional development.
  • Remote work flexibility with company-provided equipment.
  • Opportunity to contribute to meaningful work within the mortgage servicing and financial services industry.
  • Work-from-home setup requires a quiet, private workspace and reliable high-speed internet.