Member Solutions Mortgage Consultant

Job Overview

The Member Solutions Mortgage Consultant serves as a trusted resource within the Member Solutions team by supporting the effective management of the delinquent mortgage loan portfolio, strengthening member relationships, and providing solutions‑focused guidance through attentive account support.

#DupacoDifference.  https://www.youtube.com/watch?v=Oy_rZxNXcC8

Dupaco Values:

• Demonstrates Dupaco Values: Rooted In Trust, Empathetic Understanding, Strengthening Relationships, Advocate for All and Invest in You

What you’ll be doing:

• Review status of assigned delinquent Mortgage loans and initiate appropriate collection action based on whether the loan is an in-house loan or a serviced secondary market loan. 
• Prepare correspondence for delinquent accounts, contact members and cosigners via phone and email as necessary. 
• Work with other credit union departments with collection efforts. 
•  Assist members with issues and resolve within 24 - 48 hours. 
•  Act as a consultant for real estate-related member solutions.
•  Conduct calling on Home Improvement loan delinquency.
• Conduct calling on Home Equity calling for accounts under 10 days and between 11-30 days delinquent.
•  Conduct calling on Dupaco Mortgages, FNMA Mortgages, and FHLB Mortgages 17-30 days delinquent.
•  Monitor and track repayment plans for delinquent mortgage accounts.
•  Conduct calling on bankrupt mortgage accounts to be worked under 30 days.
•  Complete monthly reporting for FHLB, FNMA, PMI, and property inspections.
•  Receive inspection reports and document account notes accordingly.
•  Send hardship packets and review Borrower Response Packages (BRP) within 48 hours of receipt to verify completeness before forwarding to Senior staff.
• Send acceleration notices as required.
• Verify property taxes are paid prior to sending acceleration notices.
• Manage workflow for deceased Mortgage Loan and Home Equity accounts, including member contact.
• Process removal of non-accrual status on applicable accounts.
• File NFP (Non-Performing Financials) claims and complete monthly reporting.
• Review HELOC loans over 90+ days past due for current lien position.
• Perform other duties as assigned.

What you’ll need:

• Associate’s degree in related field or equivalent experience. 
•  1+ years of related experience. 
• Excellent interpersonal and communication skills to represent Dupaco Community Credit Union in a positive way. 
•  Thorough knowledge of secondary market and mortgage loan collection procedures and related legal requirements
• Ability to perform mathematical calculations. 
•  Ability to read and understand contract issues.