Mortgage Loss Mitigation Specialist

Working at Kirtland CU is more than a job—it’s a career in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.

We are currently seeking a Mortgage Loss Mitigation Specialist to join Kirtland Credit Union. This is a regular, full‑time position with remote capabilities depending on location. A cover letter is encouraged when applying.
Sign on bonus available.

• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program
• 401(k) employer match
• Paid time off with accrual starting from day one
• 11 paid holidays off during the year
• Tuition reimbursement for college degrees
• Employee clothing advance
• Fitness reimbursement program
• Employer‑paid life insurance
• Employee assistance program
• Employer‑paid short‑ and long‑term disability insurance
• Travel assistance program

Responsible for contacting consumer borrowers with delinquent loans to collect payments and bring loans current, with a focus on real estate secured loans. Evaluate suitability for loan relief programs, inform borrowers and successors‑in‑interest, and coordinate resolution of troubled real estate loans. Perform required mortgage servicing for investor‑held mortgages and report to third parties (VA, FHA, Fannie Mae, Ginnie Mae). Support data creation, tracking, and analysis related to delinquent home‑secured loans.

Coordinate activities related to foreclosure and REO situations.

• Ensures sufficient contact attempts are made to borrowers or successors‑in‑interest with delinquent loans.
• Determines the best course of action to facilitate the collection of payments.
• Conducts collection efforts politely and diplomatically with persistence and persuasiveness.
• Solicits information about reasons for delinquency to evaluate suitable loss‑mitigation programs.
• Processes loan payments and generates payoff statements.
• Maintains knowledge of all applicable federal and state consumer credit collection and mortgage servicing laws and regulations.
• Manages delinquent or troubled real estate loans and coordinates foreclosed property functions.
• Evaluates and responds to borrower requests for debt relief, restructuring, or assumption.
• Provides financial counseling and recommends plans in the best interest of borrowers and the credit union.
• Facilitates resolution of troubled loans and underlying collateral (foreclosures, short sales, deed‑in‑lieu, REO sales).
• Protects and preserves foreclosed properties; coordinates inspections and repairs.
• Documents, tracks, and reports on loss‑mitigation activities.
• Collaborates on data accuracy and reporting improvements.
• Submits required reports to VA, FHA, Fannie Mae, and Ginnie Mae.
• Responds to various requests for information on loss‑mitigation/asset recovery activities.
• Assumes any related duties as required.
• Keeps management informed of operational activities and significant issues.

• Two‑year college degree (associate’s degree in business or finance) required.
• Bachelor’s degree in business, finance, or related field preferred.

• Three to five years of recent experience servicing mortgages in delinquency.
• At least two years of servicing investor‑held mortgages preferred.

• Thorough knowledge of consumer mortgage collection and foreclosure practices and applicable legal requirements.
• Working knowledge of federal and state consumer credit collection and mortgage servicing laws and regulations.
• Excellent communication and interpersonal skills.
• Ability to work well with borrowers, colleagues, and third parties.
• Ability to work successfully in stressful situations.
• Maintain professional appearance and conduct.
• Multi‑task oriented.
• Problem‑solving abilities.
• Ability to operate a PC and use Microsoft applications.
• Ability to stand and sit for an eight‑hour shift.
• Ability to work in an office cubicle environment.

To apply for this exciting opportunity, visit our careers page tlandcu.org/careers.

Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Mid‑Senior level

Full‑time

Finance and Sales

Banking