Description: Position Summary: The Advanced Collection Specialist provides counseling to borrowers with past due loan payments and performs foreclosure prevention on loans through contact with customers. Performs advanced collection activities on delinquent accounts. Duties and Responsibilities: Conducts foreclosure prevention counseling and collection calls for mortgage loan customers; establishes a rapport with the borrower; determines the reason for the delinquency, determines if borrower has vacated the property or plans to vacate, determines the borrowers perception of their financial circumstances and ability to repay the mortgage; sets payment expectations and educates borrower on foreclosure prevention alternatives; obtains a commitment from the borrower to either bring the loan current or engage in foreclosure prevention alternatives. Performs advanced collection activities for delinquent loan accounts; inputs messages and proper coding into the database for loans that have deceased borrowers and/or any other legal status pertaining to the loan; tracks delinquent loan accounts and prepares advanced collection correspondence and call letters on accounts. Utilizes core collection application to maintain accurate records of collection activity. Sends out correspondence to obtain financial information from delinquent borrowers; makes follow up counseling calls after the solicitation is mailed. Reports to all investors the proper loan event items that pertain to the foreclosure prevention process; keeps investors informed on items that are met or are not met for the foreclosure prevention process through their reporting requirements as to the status of the loans. Reports information to supervisor and the Loss Mitigation Specialist for accounts that need to be referred to them for follow up; provides reporting updates on all collector activity to management. Maintains general knowledge on loss mitigation programs; acts as primary back-up to the Loss Mitigation Specialist Reviews delinquent accounts that may require an inspection, prepares and submits monthly order for inspection maintains accurate records of completed inspections. Responds to document requests as part of subpoenas, gathers documents from origination and servicing files as needed and distributes to legal department or requesting attorney. Complies with all applicable banking laws and regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and related anti-money laundering statutes and federal consumer protection legislation and regulations. Other duties as required. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Requirements: Skills and Qualifications: 3+ years experience in mortgage servicing/collections is required along with a strong understanding of lending laws, regulations, and guidelines. Experience in financial services or banking is preferred. Notary Public is preferred. High School Diploma or equivalent is required; Bachelor's degree is preferred. Proficiency in MS Office Outlook, Excel, Word or similar software is required. Encompass, Cleartouch, Nautilus, various government and investor software/web portals is preferred. Necessary competencies: Resilience Collaboration Communication Service Orientation Quality Focused Process Oriented Accountability Physical Environment While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. PI12deac6394f0-1186
09/11/2025
Full time
Description: Position Summary: The Advanced Collection Specialist provides counseling to borrowers with past due loan payments and performs foreclosure prevention on loans through contact with customers. Performs advanced collection activities on delinquent accounts. Duties and Responsibilities: Conducts foreclosure prevention counseling and collection calls for mortgage loan customers; establishes a rapport with the borrower; determines the reason for the delinquency, determines if borrower has vacated the property or plans to vacate, determines the borrowers perception of their financial circumstances and ability to repay the mortgage; sets payment expectations and educates borrower on foreclosure prevention alternatives; obtains a commitment from the borrower to either bring the loan current or engage in foreclosure prevention alternatives. Performs advanced collection activities for delinquent loan accounts; inputs messages and proper coding into the database for loans that have deceased borrowers and/or any other legal status pertaining to the loan; tracks delinquent loan accounts and prepares advanced collection correspondence and call letters on accounts. Utilizes core collection application to maintain accurate records of collection activity. Sends out correspondence to obtain financial information from delinquent borrowers; makes follow up counseling calls after the solicitation is mailed. Reports to all investors the proper loan event items that pertain to the foreclosure prevention process; keeps investors informed on items that are met or are not met for the foreclosure prevention process through their reporting requirements as to the status of the loans. Reports information to supervisor and the Loss Mitigation Specialist for accounts that need to be referred to them for follow up; provides reporting updates on all collector activity to management. Maintains general knowledge on loss mitigation programs; acts as primary back-up to the Loss Mitigation Specialist Reviews delinquent accounts that may require an inspection, prepares and submits monthly order for inspection maintains accurate records of completed inspections. Responds to document requests as part of subpoenas, gathers documents from origination and servicing files as needed and distributes to legal department or requesting attorney. Complies with all applicable banking laws and regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and related anti-money laundering statutes and federal consumer protection legislation and regulations. Other duties as required. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Requirements: Skills and Qualifications: 3+ years experience in mortgage servicing/collections is required along with a strong understanding of lending laws, regulations, and guidelines. Experience in financial services or banking is preferred. Notary Public is preferred. High School Diploma or equivalent is required; Bachelor's degree is preferred. Proficiency in MS Office Outlook, Excel, Word or similar software is required. Encompass, Cleartouch, Nautilus, various government and investor software/web portals is preferred. Necessary competencies: Resilience Collaboration Communication Service Orientation Quality Focused Process Oriented Accountability Physical Environment While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. PI12deac6394f0-1186
Description: There are 3 levels within the Loan Credit Analyst job family with progressive responsibilities and we are looking for a level 2 or 3. Duties and Responsibilities Level 2: Contacts borrowers and tracks receipt of annual financial information as required by the loan documents; analyzes financial statements of all levels of quality to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical and current operating performance. Completes and reviews existing bank commercial loans and completes risk rating analysis on portions of the portfolio; reviews loan documentation for completeness and accuracy; indicates any missing documentation; prepares and reviews in depth written analyses for relationships of all sizes and all levels of complexity; ensures compliance testing of loan requirements. Researches industry specific information from outside sources, including conversations with the borrower, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet; assists loan officers with questions. Presents loan reviews to committee, including risk rating recommendation and the analysis and merits behind the rating; articulates reasoning behind the rating and defends recommendation if needed. Creates and maintains credit files; performs credit analysis; analyzes customer financial information; generate reports based on commercial loan portfolio. Performs credit loan review due diligence, quantitative analysis; conducts risk ratings on credits or credit analysis; monitors financial statements; requests financials and letters of credit; performs compliance testing of loan requirements. Prepares credit risk reviews for annual audit. Attends training and works with experienced credit analysts to develop credit analyst skill set and technique and builds banking knowledge. Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations. Analyze all financial statements in conjunction with underwriting commercial loan requests. Prepare, analyze, and review in depth written analysis for relationships. Prepare complete credit presentation that incorporates and analyzes all relevant borrower and related financial information. Loan requests include CRE and C&I. Work with Loan Officer / Business Banker to assemble all financial information as to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical operating performance. Review loan structure of new requests identifying any risks or policy exceptions. Make recommendations on loan structure or reporting requirements where appropriate. Expert knowledge of industry and bank credit and underwriting procedures and practices. Monitors service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable. Qualifications and Skills Level 2: 3 to 5 years of experience in financial analysis or credit analysis is required. Bachelor's degree or commensurate experience is required. Experience in financial analysis or credit analysis is preferred. Proficiency in MS Office Outlook, Excel, Word or similar software is required. EasyLender, Cleartouch, OnBase, various government and investor software/web portals is preferred. CreditQuest is preferred. Experience in financial services or banking is preferred. Duties and Responsibilities Level 3: On top of the duties listed in level 2, level 3 duties and responsibilities include: Leads special projects as necessary and as assigned. Collaborates cross-functionally, engages business partners and seeks other expertise as needed. Appropriately escalates matters as needed to management and senior leadership. Acts as a mentor to credit analysts, portfolio managers, and less experienced loan officers. Offers advice, presents learning opportunities, supports relationship building and assists with training as needed. Qualifications and Skills Level 3: On top of the qualifications and skills listed in level 2, level 3 qualifications and skills include: 7-10 Years or experience in financial analysis or credit analyst is required. Experience leading teams, supervising or mentoring is required. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. Physical Environment While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. First Mutual Holding Co. and First Federal Lakewood is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Requirements: PIcbe5-
09/11/2025
Full time
Description: There are 3 levels within the Loan Credit Analyst job family with progressive responsibilities and we are looking for a level 2 or 3. Duties and Responsibilities Level 2: Contacts borrowers and tracks receipt of annual financial information as required by the loan documents; analyzes financial statements of all levels of quality to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical and current operating performance. Completes and reviews existing bank commercial loans and completes risk rating analysis on portions of the portfolio; reviews loan documentation for completeness and accuracy; indicates any missing documentation; prepares and reviews in depth written analyses for relationships of all sizes and all levels of complexity; ensures compliance testing of loan requirements. Researches industry specific information from outside sources, including conversations with the borrower, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet; assists loan officers with questions. Presents loan reviews to committee, including risk rating recommendation and the analysis and merits behind the rating; articulates reasoning behind the rating and defends recommendation if needed. Creates and maintains credit files; performs credit analysis; analyzes customer financial information; generate reports based on commercial loan portfolio. Performs credit loan review due diligence, quantitative analysis; conducts risk ratings on credits or credit analysis; monitors financial statements; requests financials and letters of credit; performs compliance testing of loan requirements. Prepares credit risk reviews for annual audit. Attends training and works with experienced credit analysts to develop credit analyst skill set and technique and builds banking knowledge. Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations. Analyze all financial statements in conjunction with underwriting commercial loan requests. Prepare, analyze, and review in depth written analysis for relationships. Prepare complete credit presentation that incorporates and analyzes all relevant borrower and related financial information. Loan requests include CRE and C&I. Work with Loan Officer / Business Banker to assemble all financial information as to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical operating performance. Review loan structure of new requests identifying any risks or policy exceptions. Make recommendations on loan structure or reporting requirements where appropriate. Expert knowledge of industry and bank credit and underwriting procedures and practices. Monitors service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable. Qualifications and Skills Level 2: 3 to 5 years of experience in financial analysis or credit analysis is required. Bachelor's degree or commensurate experience is required. Experience in financial analysis or credit analysis is preferred. Proficiency in MS Office Outlook, Excel, Word or similar software is required. EasyLender, Cleartouch, OnBase, various government and investor software/web portals is preferred. CreditQuest is preferred. Experience in financial services or banking is preferred. Duties and Responsibilities Level 3: On top of the duties listed in level 2, level 3 duties and responsibilities include: Leads special projects as necessary and as assigned. Collaborates cross-functionally, engages business partners and seeks other expertise as needed. Appropriately escalates matters as needed to management and senior leadership. Acts as a mentor to credit analysts, portfolio managers, and less experienced loan officers. Offers advice, presents learning opportunities, supports relationship building and assists with training as needed. Qualifications and Skills Level 3: On top of the qualifications and skills listed in level 2, level 3 qualifications and skills include: 7-10 Years or experience in financial analysis or credit analyst is required. Experience leading teams, supervising or mentoring is required. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. Physical Environment While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. First Mutual Holding Co. and First Federal Lakewood is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Requirements: PIcbe5-
Description: The Commercial Underwriting/Credit Team Leader is responsible for supervising the commercial credit department. Participates in the loan management process by providing credit and loan underwriting expertise to the Bank's Commercial Lending team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Commercial Credit Analysts and provides opinions and recommendations regarding proposed credits and potential risks. Duties and Responsibilities: Manage personnel activities of direct report staff; including employee reviews and development plans. Tasked with mentoring/enhancing staff development set team goals and monitor performance. Responsible for managing and directing workflow of direct reports to ensure quality and timeliness of credit product delivery. Analyze financial statements in conjunction with underwriting commercial loan requests. Prepare, and review in depth written analysis for relationships. Prepare credit presentations that incorporates and analyzes all relevant borrower and related financial information. Loan requests include CRE and C&I. Ensure sound practices in the commercial credit underwriting process. Manage the Commercial Loan Review function. Oversee the review of existing commercial loans and risk rating analysis on the portfolio; prepare and review in depth written analyses for relationships of all sizes and all levels of complexity; ensure compliance testing of loan requirements. Work with Loan Officers / Business Bankers to assemble financial information as to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical and current operating performance. Review loan structure of new loan requests identifying any risks or policy exceptions. Make recommendations on loan structure and reporting requirements where appropriate. Research industry specific information from outside sources, including conversation with the borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet. Attend and contribute to various Bank committee meetings i.e. Credit Risk, SAC, and Loan Review. Prepare and maintain Commercial Loan Committee minutes. Oversee the SBA commercial credit underwriting and approval process: Express, 7A, 504. Oversee and prepare monthly/quarterly reporting relating to commercial credit and the commercial loan portfolio. Manage service providers and vendors; structure relationships with service providers in a strategic manner; set expectations; develops performance metrics; measures vendor performance, provide feedback and hold accountable. Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations. Other Duties as assigned. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. Requirements: Qualifications and Skills: 10-15 years of experience in commercial credit or financial services is required. Prior leadership experience is required. Proficiency in underwriting and structuring complex commercial loans (both CRE and C&I) is required. Prior experience with commercial loan review function and/or management is required. Proficiency in MS Office Outlook, Excel, Word or similar software is required, as well as Cleartouch, OnBase, and CreditQuest. Bachelor's degree OR equivalent experience is required. Necessary competencies: Accountability Business Acumen Resilience Collaboration Leads for High Performance Communication Quality Focused Process Oriented Physical Environment: While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. Must have a valid driver's license. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. PI6012dbd5d84a-4898
09/11/2025
Full time
Description: The Commercial Underwriting/Credit Team Leader is responsible for supervising the commercial credit department. Participates in the loan management process by providing credit and loan underwriting expertise to the Bank's Commercial Lending team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Commercial Credit Analysts and provides opinions and recommendations regarding proposed credits and potential risks. Duties and Responsibilities: Manage personnel activities of direct report staff; including employee reviews and development plans. Tasked with mentoring/enhancing staff development set team goals and monitor performance. Responsible for managing and directing workflow of direct reports to ensure quality and timeliness of credit product delivery. Analyze financial statements in conjunction with underwriting commercial loan requests. Prepare, and review in depth written analysis for relationships. Prepare credit presentations that incorporates and analyzes all relevant borrower and related financial information. Loan requests include CRE and C&I. Ensure sound practices in the commercial credit underwriting process. Manage the Commercial Loan Review function. Oversee the review of existing commercial loans and risk rating analysis on the portfolio; prepare and review in depth written analyses for relationships of all sizes and all levels of complexity; ensure compliance testing of loan requirements. Work with Loan Officers / Business Bankers to assemble financial information as to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical and current operating performance. Review loan structure of new loan requests identifying any risks or policy exceptions. Make recommendations on loan structure and reporting requirements where appropriate. Research industry specific information from outside sources, including conversation with the borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet. Attend and contribute to various Bank committee meetings i.e. Credit Risk, SAC, and Loan Review. Prepare and maintain Commercial Loan Committee minutes. Oversee the SBA commercial credit underwriting and approval process: Express, 7A, 504. Oversee and prepare monthly/quarterly reporting relating to commercial credit and the commercial loan portfolio. Manage service providers and vendors; structure relationships with service providers in a strategic manner; set expectations; develops performance metrics; measures vendor performance, provide feedback and hold accountable. Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations. Other Duties as assigned. The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC. Requirements: Qualifications and Skills: 10-15 years of experience in commercial credit or financial services is required. Prior leadership experience is required. Proficiency in underwriting and structuring complex commercial loans (both CRE and C&I) is required. Prior experience with commercial loan review function and/or management is required. Proficiency in MS Office Outlook, Excel, Word or similar software is required, as well as Cleartouch, OnBase, and CreditQuest. Bachelor's degree OR equivalent experience is required. Necessary competencies: Accountability Business Acumen Resilience Collaboration Leads for High Performance Communication Quality Focused Process Oriented Physical Environment: While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. Must have a valid driver's license. This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p. PI6012dbd5d84a-4898