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High Risk Specialist

Freedom Mortgage
Columbia, MD Full Time
POSTED ON 4/27/2025
AVAILABLE BEFORE 5/23/2025

Summary :

The High-Risk Specialist is responsible for providing administrative and analytical support to the Director. The role requires partnering with various internal and external customers, including attorneys and municipalities. Critical thinking, negotiation skills, and being a self starter with common sense logic are crucial to this role. The High-Risk Specialist is required to have extensive experience and knowledge of Property Preservation, Hazard policies, Code Violations, Agency Claims guidelines, and Freedom policies.

Essential Job Duties and Responsibilities :

  • Comprehending complex issues and developing / presenting proposed solutions to senior management mitigating loss
  • Extensive knowledge of all agency servicing guidelines (FHA, VA, USDA, FNMA / FHLMC) as well as standard code requirements, title requirements, property insurance claim experience, and general business knowledge
  • Strong critical thinking skills and problem-solving ability thinking of multiple alternative solutions to reduce risk and loss
  • Strong ability to document conversations accurately and interpret data
  • Ability to handle a large volume of difficult files with complex issues / challenges meeting timelines and deadlines in a very fast paced environment
  • commend resolutions and enhancements to procedures that will reduce timelines, identify process gaps, and limit costs
  • Comply with all company policies and procedures.
  • Maintain regular and punctual attendance.

Other Job Duties and Responsibilities :

Performs other related duties as assigned.

Supervisory Responsibilities :

This position is an individual contributor with no direct reports but may provide guidance, leadership, or training to others.

Qualifications :

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.

  • Strong understanding of FHA, VA and GSE Default Servicing Guidelines
  • Understanding of the Default Life Cycle of a loan based on insurer and investor guidelines
  • Excellent organizational and time management skills.
  • Attention to detail with a high level of accuracy
  • Analytical and Problem Solving skills.
  • Excellent communication skills
  • Ability to effectively present information to management
  • Ability to define problems, collect data, establish facts and draw valid conclusions
  • Ability to work with minimal supervision
  • Ability to build relationships with both internal and external clients / vendors
  • Education and / or Experience :

  • Bachelor's Degree from a Four (4) year College or University preferred and minimum (5) years of training experience or equivalent combination of education and experience.
  • Certificates, Licenses, Registrations :

    None Required

    Work Complexity :

    Problems and issues faced are difficult and complex, and may require understanding of broader set of issues. Problems typically involve consideration of multiple issues and understanding of the financial / mortgage industry. Problems are typically solved through drawing from prior experience and analysis of issues.

    Work Environment :

    The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate.

    Physical Demands :

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and / or move up to 25 pounds.

    Equal Employment Opportunity :

    The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws.

    Americans with Disabilities Act :

    Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

    Job Responsibilities :

    The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.

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