77 Best remote accounting Jobs in Albuquerque, New Mexico (January 2026)

Mortgage Loss Mitigation Specialist

7 days ago

Albuquerque

Job Description Working at Kirtland CU is more than a job-it's a career, and one 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, with remote capabilities depending on location. We encourage a cover letter when applying! Sign on Bonus available with this position! Join the rest of our teammates and become eligible for a generous benefits package that we offer: • 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 Responsible for contacting consumer borrowers with delinquent loans to collect payments to bring loans current, with a focus on real estate secured loans. Understand and evaluate suitability for potential loan relief programs as applicable and inform borrowers and successors-in-interest about same, as well as potential or active loss mitigation activities, particularly those related to delinquent or otherwise at-risk home-secured loans. Interact with credit union members, co-workers, legal counsel, fiduciaries, auditors, agencies and others as appropriate to facilitate resolution of troubled real estate loans. Perform certain required mortgage servicing for investor-held mortgages and report to third parties as applicable, including the VA, FHA, Fannie Mae and Ginnie Mae. Support and refine creation, tracking, and analysis of data related to delinquent home-secured loans. Coordinate activities related to assessing and protecting troubled real estate assets, including in foreclosure and REO situations. Support the credit union’s mission, vision, strategic goals, quality initiatives and service standards. Primary Job Duties: • Ensures sufficient contact attempts are made to borrowers or successors-in-interest with delinquent loans., • Determines the best course of action, consistent with Account Resolution Department standards, to facilitate the collection of payments from borrowers or successors-in-interest with delinquent loans., • Conducts collection efforts politely and diplomatically but with persistence and persuasiveness., • Solicits information about the reasons for delinquency to evaluate potentially suitable loss mitigation programs., • Processes loan payments, ensuring accurate recording and accounting across applicable systems; generates pay off statements as requested., • Understands and maintains current working knowledge of all applicable federal and state consumer credit collection and mortgage servicing laws and regulations, i.e., Fair Debt Collection Practices Act, Fair Credit Reporting Act, the Garn-St. Germaine Act, the Truth in Lending Act, and the Uniform Commercial Code as adopted in applicable states, as well as bankruptcy law., • Assumes responsibility for the effective administration of delinquent or otherwise troubled real estate loans and coordinates functions related to foreclosed properties., • In conjunction with management staff, evaluates and responds to requests from borrowers or successors-in-interest for debt relief, restructuring, or potential assumption when hardship or change in ownership is identified., • Provides appropriate financial counseling, collects financial information and/or legal documentation to assess and evaluate appropriate actions, and, as applicable, recommends plans in the best interest of the borrowers or successors-in-interest, as well as the Credit Union and investors., • Works with borrowers, successors-in-interest, and other parties to facilitate resolution of troubled real estate loans and the underlying collateral, including foreclosures, short sales, deed-in-lieu situations, and REO sales., • Ensures the protection and preservation of foreclosed properties. In collaboration with management, coordinates inspections and approval of repairs of properties. Maintains inspection reporting with findings., • Coordinates with management to document, track, and report on loss mitigation activities involving troubled real estate., • Collaborates with management staff to ensure data accuracy, refine collections platform data capture and tracking, and develop pertinent reporting and analysis. As appropriate, recommends adjustments to internal reporting and analysis related to home-secured loans., • Maintains a current understanding of, and submitting, reporting as required to the VA, FHA, Fannie Mae and Ginnie Mae for certain mortgages serviced by the Credit Union., • Responds to various requests for information on loss mitigation/asset recovery activities., • Assumes responsibility for related duties as required and other duties as assigned., • A two-year college degree (associate’s degree in business or finance) is required., • Three to five years of recent experience servicing mortgages in delinquency., • Thorough knowledge of consumer mortgage collection and foreclosure practices and applicable legal requirements., • Working knowledge of all applicable federal and state consumer credit collection and mortgage servicing laws and regulations, i.e., Fair Debt Collection Practices Act, Fair Credit Reporting Act, the Garn-St. Germaine Act, the Truth in Lending Act, and the Uniform Commercial Code as adopted in applicable states, as well as bankruptcy law, preferred., • Excellent communication and interpersonal skills, • Ability to work well with borrowers, colleagues, and third parties, • Able to work successfully in stressful situations, • Maintain professional appearance and conduct, • Multi-task oriented, • Problem solving abilities, • Ability to operate a PC, • Proficient with Microsoft, • Ability to stand and sit for 8-hour shifty 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.

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