Loss Mitigation Specialist – Foreclosure Referrals

Guild Mortgage

. Provide foreclosure recommendation filing based on review of delinquent loan population reports .

Posted 10/26/2026full-timeRemote • United StatesMid-LevelSenior💰 $23 - $27 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in foreclosure recommendation processes, regulatory compliance, and borrower communication. Proficient in analyzing mortgage servicing issues and implementing solutions while maintaining compliance with federal regulations.

Highest-signal resume keywords

Foreclosure Recommendation FilingRegulatory Compliance AuditingLoss Mitigation ExperienceKnowledge of FNMA, FHLMC, FHA, and VA DocumentsInterpersonal and Problem-Solving Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage Servicing ExperienceIntermediate Math SkillsData Entry ProficiencyDocument Retention Software Familiarity10-Key by Touch

Soft Skills

Highly OrganizedDetail OrientedAbility to Work in Fast-Paced Environment

Tools & Technologies

Microsoft WordMicrosoft ExcelMicrosoft OutlookBlitzdoc

Industry Keywords

CFPBFCRAFDCPAFederal Debt Collection LawsFederal Bankruptcy Laws

About the role

Key responsibilities & impact

Provide foreclosure recommendation filing based on review of delinquent loan population reports
Audit foreclosure recommendation files for CFPB, State and Investor regulatory compliance
Prepare and mail regulatory letters and update system information
Request and manage original documents to prepare foreclosure referral virtual files
Follow up on outstanding issues to complete foreclosure referral decisions timely and compliantly
Identify applicable options and communicate updates to managers, teammates, and borrowers
Maintain regular borrower communications by phone, email, and mail
Explore, analyze, and respond to borrower issues and concerns
Provide accurate information to resolve issues and promptly follow up on commitments
Prepare call notes and written documentation to update customer files
Communicate with individuals and teams to ensure timely issue resolution
Assist with internal and external audits and compile investor pre- and post-findings, including CFPB
Participate in projects to improve foreclosure referral performance and processes
Monitor industry regulation changes and recommend policy, procedure, and system updates
Maintain and update the procedure manual for investor and regulatory compliance
Analyze problems and make recommendations using sound judgment and experience
Perform other duties as assigned

Requirements

What you’ll need

High school diploma or equivalent required
Three or more years total back office mortgage servicing experience required
At least two years working in loss mitigation roles emphasizing home retention for FHA and VHA borrowers
Strong working knowledge of FNMA, FHLMC, FHA and VA mortgage loan documents, including processes, inter-relationships, standards, requirements, terminology, compliance and regulatory requirements
Knowledge of federal debt collection laws, Federal Bankruptcy Laws, and proper handling of other legal situations
Ability to work with CFPB, FCRA and FDCPA requirements
Strong interpersonal and problem-solving skills
Highly organized and detail oriented
Ability to work in a fast-paced, department-metrics-driven environment
Intermediate math skills
Proficiency with basic internet searches, data entry, Microsoft Word, Excel and Outlook
Familiarity with document retention software; Blitzdoc preferred
10-key by touch strongly preferred
Moderate level of independent judgment and decision-making
Frequent contact with borrowers
College courses or a Bachelor’s degree in Finance, Business or a related field preferred

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
AD&D insurance
LTD insurance
401(k) with employer match
Pleasant work environment
Competitive compensation