Mortgage Collection Representative 1

Join Our Team. Make a Difference - for Us and for Your Future. Position Title: Mortgage Collection Representative 1 Business Unit: Mortgage Administration Reports to: Supervisor of Default Servicing Position Overview: This position is primarily responsible for remediation of delinquent bank owned, Government Sponsored Enterprise (GSE) and Private Investor real estate secured accounts ensuring timely contact with borrowers, proper system notations of all attempts and borrower conversations. Primary Responsibilities: Attempts to contact 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. Achieves productivity goals as set by management. Calls/Contact/Promises along with response time to all inbound calls achieving time to answer goals as set by management. Ensures complete and concise notation on banks system of all attempts, conversations, promise to pay arrangements, alternate financial arrangements, letters mailed, payments received, maintenance requests, etc. and sets an appropriate follow-up date to ensure promise kept. Ensures proper account maintenance is completed to comply with the FCRA, CFPB, SCRA, etc. Complies with all GSE standards to attempt contact every 5-7 days until right party contact (RPC) is achieved. Reviews records and transactions, resolves misapplied payments, researches transactions, 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, restricted, etc. Maintains proper ledger of all foreclosure related expenses and credits to ensure proper collection. 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 Level of Education Required to Perform the Primary Responsibilities of this Position: High School or GED Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position: 1 Skills Required to Perform the Primary Responsibilities of this Position: Excellent customer service skills Excellent communication skills, both written and verbal Excellent organizational, analytical and interpersonal skills Ability to use general office equipment Ability to use a personal computer and job-related software MS Word - Basic Level MS Excel - Basic Level MS PowerPoint - Basic Level Knowledge of laws that relate to foreclosure, repossession and fair debt. Licensures/Certifications Required to Perform the Primary Responsibilities of this Position: N/A Physical Requirements or Work Conditions Beyond Traditional Office Work: N/A Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

Created: 2026-03-06