Reference #: 2023-02538Primary Office Location:30 Isabella Street. Pittsburgh, Pennsylvania. 15212.

　　Join our team. Make a difference - for us and for your future.Position Title: Mortgage Collection RepresentativeBusiness Unit: Mortgage AdministrationReports To: Assistant Manager of Mortgage Secured Portfolios

　　Position Overview:This position is primarily responsible for remediation of delinquent Bank owned and Government Sponsored Enterprise (GSE) real estate secured accounts ensuring proper system notations of all attempts and borrower conversations. The incumbent accurately prepares, documents, images and delivers default correspondence as required by the Bank, investors and regulators such as the OCC and CFPB.

　　Primary Responsibilities:Ensures proper account maintenance is completed to comply with the FCRA, CFPB, SCRA, etc. and system data integrity to allow for accurate reporting required internally and externally for the FNMA and the FHLMC. Complies with all GSE standards to attempt contact every 3 days until right party contact (RPC) is achieved. Manages attorney and trustee relationships if applicable.

　　Attempts to contacts borrowers utilizing effective human relation skills to collect on delinquent mortgage loans, researches loan origination documentation and electronic file to determine other means of reaching the borrower and initiates skip-tracing efforts if warranted.

　　Determines borrower's ability to pay by probing for reason for delinquency, hardship or intent regarding the property. Informs borrower of rights and the total amount due. Discusses and prepares or assists in executing on other loss mitigation options as applicable such as repayment plan, modification, forbearance, deed in lieu or short-sale.

　　Ensures complete and concise notation on Bank's system of record of all attempts, conversations, promise to pay arrangements, alternate financial arrangements, letters mailed, payments received, maintenance requests and sets an appropriate follow-up date to ensure promise kept.

　　Prepares intent to foreclose (ITF) or Act Notices (demand letters), investor reporting, GSE post foreclosure detail report, mortgage insurance and investor claims. Initiates foreclosure referrals and bidding instruction requests, manages attorney relationships ensuring foreclosure timelines are met, requests and monitors property inspections - preservation needs.

　　Reviews records and transactions, resolves misapplied payments, researches transactions and organizes and summarizes information and data accurately and timely for all portfolios. Ensures proper loan maintenance to accurately flag loans such as foreclosure or bankruptcy, non-post or restricted. Maintains proper ledger of all foreclosure related expenses and credits to ensure proper collection.

　　Handles customer complaints according to set procedures.

　　Achieves outbound call goals as set by management. Responds timely to all inbound calls - achieving time to answer goals as set by management.

　　Receives, reviews and approves all vendor invoicing.

　　Complies with all policies, procedures and regulations.

　　Performs other related duties and projects as assigned.

　　All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

　　F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

　　Minimum Education:High School or GED

　　Minimum Years Experience:1

　　Special Skills:Excellent customer service skillsExcellent communication skills, both written and verbalExcellent organizational, analytical and interpersonal skillsAbility to use general office equipmentAb lity to use a personal computer and job-related softwareMS Word - Basic LevelMS Excel - Basic LevelMS PowerPoint - Basic LevelKnowledge of laws that relate to foreclosure, repossession and fair debt.

　　Special Licenses and Certificates:N/A

　　Physical Requirements:N/A

　　It is the policy of F.N.B. Corporation and its affiliates not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, or because he or she is an individual with a disability or disabled veteran, Armed Forces service metal veteran, recently separated veteran, or active duty wartime or campaign badge veteran. F.N.B. Corporation and its affiliates provide all applicants and employees a discrimination and harassment free workplace.  Please Visit following page for important legal disclosures and information: https://www.fnb-online.com/disclosures