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Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Responsible for evaluating more complex loan/line modification hardship requests and ensuring they are processed and underwritten within established Credit and Loss Mitigation policies and procedures. Assists, trains, and mentors other teammates.

Essential Duties and Responsibilities

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Ability to manage a pipeline of leads and all related activities to ensure timely delivery or an optimal client experience.
2. Decision and evaluate applications within designated authority which includes acceptability of client and third party supplied documentation and services and verification of income/source of repayment.
3. Ability to analyze income and asset verification such as financial, cash flow, bank statements and tax returns.
4. Proactively work with other Default Teammates to deliver completed packages to our clients and/or partner in rendering decisions on accounts.
5. Provide excellent customer service to all internal and external clients utilizing strong oral and written communication.
6. Accurately completing documentation in all required systems, providing written correspondence if applicable. Provide support to the department/staff with non-calling activity. Support includes activities such as processing client requests, loan maintenance and required follow-up items.
7. Facilitates and provides resolutions for client escalations within established timeframes while informing management as appropriate.
8. Assist with special projects, department initiatives and additional duties, as assigned.
9. Train, mentor, and assist junior associates; facilitates more complex questions/scenarios; may provide feedback regarding performance.
10. Minimize risk by complying with Federal regulations, state laws, bank policy and procedures. Identify, mitigate, or communicate issues or concerns to appropriate parties. Update/review bank and/or departmental procedures to ensure they align with current policies and practices.

Qualifications

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. High School Education, College degree or equivalent work experience. Solid knowledge of consumer lending products, credit policy, applicable federal laws and regulations, loan documentation and
2. 4 years of consumer underwriting experience.
3. Demonstrate ability to analyze financial and cash flow statements and tax returns.
4. Provide evidence of strong communication, sales and negotiation skills and computer knowledge.
5. Detailed knowledge of real estate industry terminology and practices and ability to review and evaluate documents.
6. Ability to work independently with limited supervision.
Must be SAFE (Mortgage Licensing Act) compliant within 30 days of employment in this role, including new or transfer of registration and applicable NMLS background check which includes meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements

Preferred Qualifications:

1. College degree or equivalent work experience.

2. 5 years’ consumer underwriting experience in a centralized fast paced, customer service orientated team environment

3. Prior Loss Mitigation experience

4. Leadership experience

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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