Smt Technician

We are seeking an experienced Loss Mitigation Specialist to serve as the Single Point of Contact (SPOC) between Guild Mortgage and borrowers experiencing financial hardship. This role is highly customer service-focused and requires extensive phone interaction with borrowers while guiding them through loss mitigation and foreclosure-related processes., * Serve as the primary liaison between Guild Mortgage and borrowers throughout the loss mitigation process.

• Guide customers through loss mitigation, foreclosure prevention, and loan workout programs.
• Review, explain, and communicate loss mitigation terms, loan modification documents, trial payment plans, and foreclosure-related documentation.
• Determine documentation requirements and communicate missing documentation needs to borrowers.
• Explain notarization requirements and other documentation requirements related to loan workout programs.
• Conduct follow-up calls to obtain required borrower information and documentation.
• Communicate approval, denial, and conditional decisions related to loss mitigation evaluations.
• Monitor assigned loan inventory to ensure timely processing and resolution of cases.
• Educate borrowers on available retention options for FNMA, FHLMC, FHA, VA, and USDA loans.
• Collaborate with internal servicing and default teams to prevent dual tracking and ensure compliance.
• Maintain accurate records and documentation within servicing systems.
• Participate in quality assurance and call quality programs to support continuous improvement efforts.
• Provide empathetic and professional customer service to borrowers experiencing financial hardship., * System training
• Process training
• Job shadowing with experienced team members
• Ongoing support from senior team members

Following onboarding, candidates will be expected to independently manage their assigned workload and borrower portfolio.

Required Skills

• Mortgage Servicing
• Loss Mitigation
• Customer Service
• Phone Support
• Call Center Operations
• Collections
• Loan Documentation Review
• Foreclosure Prevention
• Borrower Communication
• Loan Workouts
• Regulatory Compliance
• Problem Solving
• Microsoft Office Suite

Empathy Operations Data Entry Compassion Collections Underwriting Communication Phone Support Microsoft Word Mortgage Loans Professionalism Microsoft Excel Decision Making Loss Mitigation Notary Services Customer Service Rapport Building Active Listening Retention Period Microsoft Outlook Quality Assurance Business Valuation Organizational Skills Mortgage Modification Full Stack Development Call Center Experience, The ideal candidate will have a strong background in mortgage servicing, loss mitigation, and customer-facing phone support, along with the ability to explain complex mortgage concepts in a clear and compassionate manner., * Strong phone-based customer service experience with the ability to build rapport and effectively manage borrower conversations.

• Knowledge of mortgage servicing and loss mitigation terminology, including the ability to explain mortgage-related concepts to borrowers.
• 3-5 years of mortgage servicing experience with significant customer-facing phone experience., * Experience serving in a customer-facing mortgage servicing, loss mitigation, collections, or call center environment.
• Strong understanding of conventional and government mortgage loan programs.
• Ability to review and explain loan workout and foreclosure-related documentation.
• Experience gathering documentation and asking effective probing and follow-up questions.
• Strong verbal and written communication skills.
• Ability to work independently following training and onboarding.
• Strong organizational skills with the ability to manage a high-volume workload.
• Proficiency in Microsoft Word, Excel, Outlook, and data entry systems.
• Ability to work in a fast-paced, metrics-driven environment.

Preferred Qualifications

• Previous Loss Mitigation experience.
• Mortgage Call Center experience.
• Late-Stage Collections experience.
• Working knowledge of:
• CFPB
• FCRA
• TCPA
• FDCPA
• Federal Debt Collection Laws
• Bankruptcy regulations impacting mortgage servicing
• Experience with FNMA, FHLMC, FHA, VA, and USDA loan programs.
• Familiarity with mortgage servicing platforms and document retention systems.
• 10-key proficiency by touch.

Desired Soft Skills

• Strong communication and active listening abilities.
• Ability to ask probing questions and gather complete borrower information.
• Empathy and professionalism when working with financially distressed customers.
• Critical thinking and sound decision-making skills.
• Coachability and willingness to learn.
• Strong attention to detail.
• Adaptability in a highly manual process environment.

Ideal Candidate background

Candidates with experience in the following areas are highly encouraged to apply:

• Loss Mitigation
• Mortgage Servicing
• Mortgage Call Centers
• Default Servicing
• Mortgage Collections
• Late-Stage Collections, Individual compensation offered for this position within this range will depend on many factors, including qualifications, skills, relevant experience, job knowledge, geographic location, internal equity, and other pertinent job-related factors., San Diego, CA*On-Site

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We’re partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That’s the power of true partnership. TEKsystems is an Allegis Group company., We’re a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We’re a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We’re strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We’re building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com.