Foreclosure Rep Job in Brandon 33508, Florida Us
Foreclosure Rep
Manages assigned foreclosure portfolio to ensure that all required time frames are met, deliverables are achieved and losses are minimized.
Leadership Teamwork
- Comply with Federal and local laws as well as HSBC Mortgage Services policy and procedures.
- Maintain an awareness of all policies, procedures and practices, laws, regulations and rulings governing real estate bankruptcy proceedings and collections-related activity.
- Ensure appropriate Manager(s) are consulted on exception items or those with variance outside of assignment limits and/or standard process flows.
- Should be required to assist other functional units at times of high volume activity or as business priorities dictate.
Operational Effectiveness Control
- Review foreclosure task queues to ensure appropriate and timely handling of accounts in foreclosure.
- Complete equity analysis as required by policy/ procedure for loss review.
- Prepare appropriate forms and ensure complete documentation and compliance within established guidelines; notify appropriate Manager of unique situations.
- Identify, review and clear any and all exceptions that delay the foreclosure process.
- Correspond with internal/ external attorneys in a professional manner to ensure appropriate action is taken on all accounts to expedite foreclosure and minimize headline risk.
- Prepare charge off within assignment and forward to appropriate personnel for review and approval.
Management of Risk
- Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues.
- Promote an environment that supports diversity and reflects the HSBC brand.
Observation of Internal Controls
- Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.
- High school diploma (or equivalent) with a minimum of three to five years advanced collections, credit analysis, foreclosure or bankruptcy experience in mortgage servicing, real estate, or other financial services related activity; experience as a paralegal, as an appraiser or in underwriting would be a plus.
- Bachelor’s or Associate degree in business or related field preferred (a combination of education and foreclosure experience may be substituted at management’s discretion).
- Knowledge of financial and credit analysis techniques, as well as, applicable regulator guidelines.
- Strong oral and written communication skills.
- Strong analytical and assessment skills; high degree of problem solving ability; proven mathematical aptitude.
- Ability to provide innovative ideas to streamline work processes and decrease business-related expense.
- Initiative, self-starter.
- Strong organization and follow-up skills; ability to effectively multi-task and prioritize workflow in a high-volume environment.
- Ability to work well independently, as well as, team with others to achieve department/ group goals.
- Flexibility to the changing requirements and priorities of the business.
- Strong technical aptitude to include MS Word and MS Excel; proficiency in MS Access preferred.
- Professional demeanor; tact/ diplomacy; and the ability to maintain confidentiality of sensitive information.
- Ability to work varied/ alternate shifts and extra hours as determined by management and required by the business.
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