Freedom Mortgage

Analyst

• Complete loss analysis reviews to safeguard the servicer’s assets and ensure compliance with insurer requirements
• Analyze and rebut insurer curtailments for government-insured filed claims, including conveyance, claims for advances, loss mitigation and non-conveyance claims
• Perform quality control reviews for default claims, including supplemental claims to reduce loss exposure
• Provide weekly, monthly or management-directed claims loss analysis reports
• Assist in compiling claims data for government claims audits
• Review audit findings and provide rebuttal responses
• Complete monthly write-offs of remaining balances once all claims and supplemental funds are received
• Act as a subject matter expert to the claims department regarding claims filing compliance
• Correspond with vendors and site employees
• Serve as a point of contact and liaison for invoicing and remittance policies and procedures
• Perform other related duties as assigned
• Maintain regular and punctual attendance and work necessary hours to ensure success

FHA Loss Analyst

Risk

• Review vacant FHA and VA loans before foreclosure sale for advance disposition decisioning
• Review newly vacant FHA post-sale properties managed through the conveyance process
• Gather required information and enter it into a Disposition Model to estimate financial gain or loss
• Recommend resolutions to maximize and accelerate fund recovery
• Review investor/insurer claims paid on properties moved into REO and validate model logic
• Provide feedback on Disposition Model updates based on corporate initiatives, investor/insurer guidelines, trends, and other circumstances
• Research charge-off requests and reasons
• Develop written charge-off recommendations
• Present charge-off and low-balance loan recommendations to Default leadership for approval
• Submit charge-off recommendations to investors according to guidelines
• Process charge-offs or approved outcomes in systems of record
• Research and analyze high-risk circumstances and their impacts on borrowers, Freedom Mortgage, investors/insurers, and default timelines
• Manage high-risk circumstances promptly to mitigate losses
• Determine and monitor effective recovery strategies when applicable
• Prepare chronologies and recommendations for Default leadership
• Maintain regular and punctual attendance
• Perform other related duties as assigned

High Risk Specialist

Manager

• Manage the day-to-day operations of the foreclosure department
• Coach and motivate the foreclosure department to achieve desired results
• Perform hands-on training of new hires
• Conduct periodic desk reviews and annual performance reviews
• Organize and assign workloads according to foreclosure file volume
• Write or approve foreclosure department letters
• Assist subordinates with difficult foreclosure activities
• Examine work quality and conformance to policies and procedures
• Study and standardize procedures to improve efficiency
• Monitor foreclosure attorneys and their quality of service
• Manage and coordinate clerical support staff
• Directly manage foreclosure department employees
• Interview and hire new employees
• Reward and discipline employees in accordance with company policies and applicable laws
• Address complaints and resolve problems
• Review and respond to internal and external Quality Reviews
• Comply with company policies and procedures
• Perform other related duties as assigned

Manager, Foreclosure

Communications

• Identify and program selection criteria and loan scenarios for machine derived letters and statements based on event triggers and business requirements
• Create detailed test plans and perform User Acceptance Testing for statement and letter changes
• Monitor enhancements post implementation to ensure successful installation
• Determine best practices for programming machine derived letters based on project requests and scenarios
• Engage with cross-functional teams and Legal Compliance to define letter logic, timing, and guidelines
• Work with project and change managers on projects related to regulatory requirements and business needs
• Coordinate with print vendors to deliver requirements and prioritize programming requests
• Manage the print vendor relationship to ensure communications are sent timely and accurately
• Support large-scale annual projects, including Year End, Annual Privacy Notice distribution, and Code Cross testing
• Comply with company policies and procedures
• Maintain regular and punctual attendance
• Perform other related duties as assigned

Senior Coordinator, Servicing Customer Communications

Vice President

• Provide end-to-end program leadership and governance for HELOC servicing across the servicing lifecycle
• Serve as the business lead for the HELOC servicing program and coordinate across functional areas
• Maintain an integrated view of HELOC requirements, business decisions, dependencies, risks, readiness, and performance
• Partner with Technology, Product, Compliance, Risk, Legal, Finance, and Operations to define requirements, resolve decisions, and implement servicing solutions
• Establish and maintain the HELOC servicing operating model, including ownership, business rules, handoffs, escalation paths, governance, metrics, and reporting
• Drive continuous improvement and coordinate servicing enhancements, product changes, system changes, and new requirements
• Coordinate development and maintenance of HELOC policies, procedures, operational documentation, and business controls
• Lead organizational and operational readiness, including staffing/resource planning, communications, training, change management, and transition activities
• Serve as the primary cross-functional business liaison with vendors, strategic partners, and key stakeholders
• Coordinate servicing capabilities including loan boarding, conversions, transfers, account servicing, payments, ACH, cash management, payoffs, paydowns, rates, billing, escrow, customer care, digital servicing, delinquency, loss mitigation, default, charge-offs, reporting, and controls
• Perform special projects or strategic initiatives as assigned
• Provide guidance and share HELOC servicing best practices
• May supervise team members supporting the HELOC servicing governance program and provide cross-functional leadership across the organization

FHA Loss Analyst

High Risk Specialist

Manager, Foreclosure

Senior Coordinator, Servicing Customer Communications

Vice President – HELOC Servicing Program