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Description

The Home Mortgage Loss Mitigation Senior Specialist will be responsible for managing the customer relationship throughout the modification and pre-foreclosure liquidation close out process. Backend Fulfillment is primarily responsible for communicating and tracking borrower trial payments through the completion of the retention modification process in addition to drafting and issuing final modification documents and/or pre-foreclosure liquidation collateral documents. In addition to the customer the Backend Fulfillment teammate will work closely with mortgage title companies, mobile notaries and settlement agents to provide guidance on next steps on approved borrower workout resolutions. The Backend Fulfillment role may have regular direct contact with the MI companies, GSEs such as Fannie Mae/Freddie Mac and Insurers such as HUD and USDA.

Primary responsibilities include

+ Mortgage /Default experience or Loan Closing experience 2+ years

+ Knowledge of mortgage documents, title insurance and title vesting

+ Working knowledge of MSP/Fidelity, ALS, Back in Black (preferred)

+ Strong knowledge of Mortgage Agency/Insurer and Regulatory guidelines

+ Working knowledge of CFPB, FDCPA, RESPA, ECOA, TCPA, SCRA and UDAAP

+ Ability to track multiple tasks

+ Strong negotiation skills and ability to work independently in a time sensitive environment

+ Demonstrate high level communication and phone skills

+ Problem solver (demonstrated analytical / research skills)

+ Strong PC Skills

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Required Qualifications

+ High School or Equivalent

+ Preferred Qualifications

+ Bachelor Degree

Hours & Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday-Friday

+ This is an in office position 5 days a week

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

01/16/2026