Mortgage Receivables Coordinator

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Habitat for Humanity of the Charlotte Region is seeking a talented and committed professional to serve as our Mortgage Receivables Coordinator. The role includes the timely and accurate processing of mortgage payments as well as other mortgage servicing duties; such as developing and implementing delinquency and foreclosure prevention strategies, managing homeowner/customer outreach and responding to customer service inquiries.

Working to build homes, communities and hope in Charlotte and the surrounding area, Habitat for Humanity of the Charlotte Region has partnered with more than 3,000 families since 1983. This year, we will help over 300 families through new home construction, recycling existing homes, critical home repair projects and financial literacy training. This is an exciting opportunity to be part of a leading nonprofit organization in the field of affordable housing.

Habitat for Humanity of the Charlotte Region offers competitive wages and a great affordable benefits package. Pay as little as $28 per month for health insurance! Complimentary vision, short & long-term disability and life/AD&D. Dental and FSA account also available. Retirement Plan with up to 3% match. PTO for full and part-time positions. Up to ten paid holidays for full-time team members.

Job description:
• Oversee timely and accurate payment processing activities including processing and posting check payments to servicing database; and managing data imports and exports for online payments
• Prepare and review daily deposit report to ensure accuracy of payment and account data in servicing database; run end-of-month report series
• Monitor and address customer service inquiries via telephone and email; research and resolve routine and escalated customer account inquires
• Perform file maintenance, document preparation, and customer outreach as needed
• Perform and track routine mortgage services tasks and portfolio maintenance
• Responsible for late notices to borrowers and other servicing team correspondence
• Effectively communicate and build relationships with mortgage customers and Habitat staff while operating in a fast-paced customer service-driven environment
• Engage strategies to minimize delinquency rates including making an analysis of loan history and escrow accounts and reviewing payment plans as needed
• Maintain payment processing and mortgage servicing procedures and make recommendations for process improvements
• Adhere to Board-Approved Mortgage Delinquency Policies with emphasis on delinquency prevention
• Adhere to policies and practices consistent with legal requirements for mortgage servicing and collections

Required skills:
• Minimum 1-year mortgage servicing experience
• General knowledge of mortgage lending/servicing industry
• 2+ years’ experience in a residential mortgage loan operations position (preferred)
• Excellent organizational skills and ability to manage multiple priorities with high attention to detail while meeting strict timelines and deadlines
• College degree preferred, or any combination of the noted skills that demonstrates the ability to perform the responsibilities of this position
• Experience using mortgage servicing software required
• Notary Public (current or eligible)
• Experience working with ethnically and socio-economically diverse populations
• Ability to work with and through an interpreter as needed
• Willingness and demonstrated ability to work well with all types of people, communicating positively and respectfully when interacting with employees, homeowners, volunteers and the public
• Excellent communication and customer service skills
• Proficient with Microsoft Office Suite or related software
• Must possess motivation, initiative, self-direction, and personal integrity
• Demonstrated ability to follow through with tasks and responsibilities
• Consistent and reliable attendance; adhere to schedules and deadlines
• Represent Habitat in a positive manner to other staff, Homeowners and HIP, Community Partners, Volunteers, Habitat Partner Families, and others you come in contact with, ensuring teamwork, engagement and motivation of others
• Willingly adhere to Habitat’s Code of Conduct Policy and any other policies set forth by the organization
• Valid driver’s license with a personal vehicle that will be used for business purposes and the ability to be insured by Habitat’s insurance provider
• Commitment to Habitat program

Physical requirements:
• Ability to lift up to 20 lbs. unassisted occasionally
• Ability to work on a computer for up to 8 hours in a day
• Ability to sit for prolonged periods of time
• Ability to communicate in person, over the phone and/or via computer
• Ability to work in an office environment as needed which requires the ability to speak, hear, with the visual and manual dexterity to manage papers, reports, and typing
• Must embody the capacity to maintain the following for several hours at a time: use of a personal computer or similar technology, phone, sitting as required

Internal interactions:
• Habitat Staff
• Volunteers

External interactions:
• Habitat borrowers
• Collaborating Agencies

Level of authority:
• Authorized to provide necessary and appropriate required personal homeowner information for the purpose of conducting day-to-day business
• Authorized to provide account information only with written permission from the homeowner or their designated representative

Estimated time commitment:
40 hours/week

Habitat for Humanity of the Charlotte Region is a drug-free workplace. A pre-employment drug screen and clean background check is required.

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