Dovenmuehle Mortgage, Inc.

Role Description Point of contact for delinquent accounts for collections activities. - Answer high volume of inbound calls from and/or generate high volume of outbound calls to delinquent borrowers. - Resolve delinquent accounts by demanding and collecting the full amount due, establish a solid plan with the borrower to bring the loan current, or proceed with hardship assistance as appropriate. - Counsel borrowers on options for meeting their payment obligations, explain terms, and arrange repayment plans based on department procedures. - Discuss financial status, review monthly income and expenses, and determine reason for non-payment. - Offer Loss Mitigation assistance, and if appropriate, explain options and processes in detail. - Demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA). - Follow all company and department policies and procedures. - Utilize proper protocols, for borrowers, clients, state, and federal regulations, as well as best practices. - Maintain and document mortgage collection systems and databases with all activities and communications. - Process mortgage loan payments in accordance with established guidelines. - Consistently meet or exceed monthly goals. - Successfully complete annual regulatory compliance training. - Additional duties as assigned. Qualifications - High School diploma or equivalent. - Solid PC skills: Microsoft applications and loan servicing platforms. - 1-2 years collection experience/customer service experience. - Analytical and problem-solving skills and attention to detail. - Effective communication skills with demonstrated ability to always interact in a positive and professional manner with all levels of both internal and external audiences. - Ability to negotiate with others and demonstrate assertiveness and empathy when necessary to obtain favorable resolutions. - Ability to understand and explain financial matters, details of modifications, and foreclosures in terms affected audiences understand. Requirements - Knowledge of loan servicing software/systems. - Collection experience. - Call center experience. - Bilingual in Spanish - must pass bilingual certification. Benefits - Medical, Dental, Vision, Wellness, Flexible Spending Account, and Employee Assistance Program and more. - Employer paid Life Insurance, Short Term Disability, and Long-Term Disability. - 401 (K) Plan with company match. - Paid Vacation, Sick, Personal and Holidays. Physical Demands and Work Environment The employee must be comfortable in either an on-site office setting, or a quiet, designated work from home space that is free from distractions and noise. The employee is regularly required to communicate (give/receive) information through multiple methods of communication with clear understanding from others. Must be able to exchange accurate information in these situations. The employee must be able to remain in a stationary position and/or move about the organization or remote office. The employee is frequently required to stand or walk (or otherwise move through the organization); sit; use hands to type, write, handle, or feel and reach. May occasionally climb or balance; stoop, kneel, or crouch; or lift and/or move up to 25 lbs. Employees may be required to type and utilize a computer for long periods of time. The employee may be required to frequently operate a standard variety of office equipment including computers, calculators, copy machines, computer printers and phones. The noise level, if working on-site, is usually moderate and typical of an office environment. In accordance with applicable disability laws, Dovenmuehle works with applicants and employees to make reasonable accommodations to the job or work environment when doing so will enable an employee with a qualified disability to satisfactorily perform the essential functions of the job.

Role Description Monitors and expedites the handling of foreclosure processes on assigned loans within the guidelines of FHA, VA, PMI, Fannie Mae, Freddie Mac, private investors, and state laws. Reports to Supervisor. - Partner with foreclosure attorneys to ensure loans/files are worked timely, accurately, and in accordance with applicable guidelines. - May handle a higher volume of files and escalated issues than junior staff. - Ensure all actions to take a loan to foreclosure are within the appropriate investor and required guidelines and timeframes. This includes, but is not limited to, filing of first action, service, judgement, foreclosure sales, and notifying investor. - Prepare bidding instruction figures for all loan types. - Process the sale on all loan types. - Timely and accurately update reporting for Freddie Mac DFRI, Fannie Mae Laser, and HUD SFDMS. - Process invoices, verifying amounts are within established guidelines, and payments remitted timely. - Keep foreclosure screens accurately updated. - Train and mentor junior staff. - Actively participate in identifying process improvement opportunities within the department. - Successfully complete annual regulatory compliance training. - Additional duties as assigned. Qualifications - Bachelor’s degree or equivalent combination of education and experience. - Solid PC skills: Proficient with Microsoft applications and loan servicing platforms. - Strong analytical and problem-solving skills and attention to detail. - Ability to handle complex, multiple tasks simultaneously in a fast-paced environment. - Effective verbal and written communication skills with demonstrated ability to always interact in a positive and professional manner with all levels of both internal and external audiences. Requirements - Paralegal certificate/experience. - Experience with MSP. Benefits - Medical, Dental, Vision, Wellness, Flexible Spending Account, and Employee Assistance Program and more. - Employer paid Life Insurance, Short Term Disability, and Long-Term Disability. - 401 (K) Plan with company match. - Paid Vacation, Sick, Personal and Holidays.

Role Description Point of contact for delinquent accounts for collections activities. Schedule: Monday - Friday 10:00am-7:00pm, rotating Saturdays (7-11:30am/11:30-4pm) - Answer high volume of inbound calls from and/or generate high volume of outbound calls to delinquent borrowers. - Resolve delinquent accounts by demanding and collecting the full amount due, establish a solid plan with the borrower to bring the loan current, or proceed with hardship assistance as appropriate. - Counsel borrowers on options for meeting their payment obligations, explain terms, and arrange repayment plans based on department procedures. - Discuss financial status, review monthly income and expenses, and determine reason for non-payment. - Offer Loss Mitigation assistance, and if appropriate, explain options and processes in detail. - Demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA). - Follow all company and department policies and procedures. - Utilize proper protocols, for borrowers, clients, state, and federal regulations, as well as best practices. - Maintain and document mortgage collection systems and databases with all activities and communications. - Process mortgage loan payments in accordance with established guidelines. - Consistently meet or exceed monthly goals. - Successfully complete annual regulatory compliance training. - Additional duties as assigned. Qualifications - High School diploma or equivalent. - Solid PC skills: Microsoft applications and loan servicing platforms. - 1-2 years collection experience/customer service experience. - Analytical and problem-solving skills and attention to detail. - Effective communication skills with demonstrated ability to always interact in a positive and professional manner with all levels of both internal and external audiences. - Ability to negotiate with others and demonstrate assertiveness and empathy when necessary to obtain favorable resolutions. - Ability to understand and explain financial matters, details of modifications, and foreclosures in terms affected audiences understand. Requirements - Knowledge of loan servicing software/systems. - Collection experience. - Call center experience. - Bilingual in Spanish - must pass bilingual certification. Benefits - Medical, Dental, Vision, Wellness, Flexible Spending Account, and Employee Assistance Program and more. - Employer paid Life Insurance, Short Term Disability, and Long-Term Disability. - 401 (K) Plan with company match. - Paid Vacation, Sick, Personal and Holidays. Physical Demands and Work Environment - The employee must be comfortable in either an on-site office setting, or a quiet, designated work from home space that is free from distractions and noise. - The employee is regularly required to communicate (give/receive) information through multiple methods of communication with clear understanding from others. - The employee must be able to remain in a stationary position and/or move about the organization or remote office. - The employee is frequently required to stand or walk (or otherwise move through the organization); sit; use hands to type, write, handle, or feel and reach. - May occasionally climb or balance; stoop, kneel, or crouch; or lift and/or move up to 25 lbs. - Employees may be required to type and utilize a computer for long periods of time. - The employee may be required to frequently operate a standard variety of office equipment including computers, calculators, copy machines, computer printers and phones. - The noise level, if working on-site, is usually moderate and typical of an office environment. - In accordance with applicable disability laws, Dovenmuehle works with applicants and employees to make reasonable accommodations to the job or work environment when doing so will enable an employee with a qualified disability to satisfactorily perform the essential functions of the job.

Role Description The objective of the Loss Mitigation Department is to assist borrowers to avoid foreclosure and mitigate the losses of non-performing assets by offering retention or liquidation options based on each borrower’s unique circumstances. - Provide a single point of contact to specific customers who are having difficulty making payments. - Help the customer apply for payment relief programs and understand alternatives to foreclosure. - Own the contact with the customer from the point of referral through to resolution. - Resolution may include return to current payment status, short-term payment plan, loan modification, short sale, deed-in-lieu, or foreclosure. - Inform the customer of all options and programs. - Assist in gathering all necessary information from customers. - Advise customer of eligibility for programs and decisions on payment relief requests. - Help customer consider other alternatives to foreclosure if payment relief is not approved. Qualifications - High School Diploma or equivalent required. - MUST be able to operate in a WINDOWS environment, MS Word and Excel preferred. - Excellent customer service skills (written and verbal). - Ability to collaborate with various constituents. - Strong influencing skills. - Must be able to work in a fast pace, high volume area. - Excellent organizational and time management skills. Requirements - Act as single point of contact for specific borrowers, while managing them through and/or out of the default process. - Retain complete accountability for borrower’s requests relative to delinquency process. - Engage in loss mitigation discussions and develop workout hierarchy with borrowers when appropriate. - Utilize proper listening and negotiation skills to maintain delinquent loans through repayment agreements. - Service delinquent mortgage loan accounts in accordance with client, investor and insurer guidelines. - Perform in accordance with expectations as set forth in the department’s policies and procedures. - Ensure that all communication to borrowers and authorized third parties is simple to understand and empathetic. - Comply with all state and federal laws and DMI’s Legal and Information Protection requirements. - Collaborate with various support departments to identify needs and propose innovative solutions. - Escalate issues timely to applicable channels. - Attend meetings and participate in projects. - Successfully complete mandatory training requirements and department specific training. - Successfully complete annual regulatory compliance training. - Perform other related duties as assigned. Benefits - Medical, Dental, Vision, Wellness, Flexible Spending Account, and Employee Assistance Program and more. - Employer paid Life Insurance, Short Term Disability, and Long-Term Disability. - 401 (K) Plan with company match. - Paid Vacation, Sick, Personal and Holidays.