Foreclosure & OREO Analyst

If you are ready to join a company that truly cares about its employees our members and our community then you have come to the right place!

Summary of Role:

The Foreclosure & OREO Analyst is responsible for managing residential real estate loans through the foreclosure process (including pre-foreclosure) and overseeing postforeclosure OREO (Other Real Estate Owned) assets. This role ensures compliance with investor regulatory and internal requirements while minimizing loss severity and timelines. The position collaborates closely with legal counsel vendors property managers and internal stakeholders to drive timely resolutions and maximize asset value.

Essential Job Functions/Responsibilities:

Foreclosure Management

• Monitor and manage loans in active foreclosure from pre-foreclosure delinquency through sale or resolution including Fannie Mae Freddie Mac and SONYMA loans

• Coordinate with foreclosure attorneys to ensure timely and accurate legal actions

• Review and monitor legal documents relating to foreclosure action

• Review foreclosure milestones filings and case statuses for accuracy and compliance

• Ensure adherence to federal state investor and agency regulations (CFPB FNMA FHLMC etc.)

  • Including communication with law enforcement and court officials

• Identify delays exceptions or issues and take corrective action

• Review drafted affidavits for accuracy and timely response

• Evaluate borrower reinstatement payoff and loss mitigation impacts on foreclosure timelines

  • Including the handling of modification/workout requests

• Review and approve invoices related to foreclosure expenses

OREO / PostForeclosure Management

• Transfer foreclosed properties into OREO inventory upon title acquisition

• Coordinate property preservation inspections valuations (BPOs/appraisals) and maintenance

• Monitor property condition vacancy status and code compliance

• Work with asset managers brokers and vendors to prepare properties for market

• Track marketing timelines pricing strategies and disposition outcomes

• Review drafted affidavits for accuracy and timely response

• Review and approve invoices related to OREO expenses

Analysis & Reporting

• Prepare internal and investor reporting related to pipeline volume and aging

• Identify process gaps and recommend operational improvements

• Support audits exams and internal quality control reviews

Compliance & Risk Management

• Ensure compliance with servicing agreements investor guidelines and company policies

• Maintain accurate loanlevel documentation and system notes

• Respond to regulatory investor or internal audit inquiries

• Escalate highrisk issues or exceptions to management

Required Qualifications

• 25 years of experience in foreclosure default servicing OREO or loss mitigation

• Working knowledge of mortgage servicing systems (e.g. Black Knight)

• Strong understanding of foreclosure laws and timelines (judicial and nonjudicial preferred)

• Experience working with foreclosure counsel and thirdparty vendors

Preferred Qualifications

• OREO asset management experience

• Familiarity with SONYMA Fannie Mae and Freddie Mac guidelines

• Experience supporting regulatory exams or investor audits

Starting Compensation:$24.75-$29.70/hr. plus a generous monthly incentive/bonus plan and competitive benefits package

Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.

All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin disability status as a protected veteran or any other status protected by applicable law.

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