Zippy
Finance
LossMitigationSpecialist
Neural analysis suggests this role is
optimal for Mid candidates.
“Loss Mitigation Specialist at Zippy. Skills: Loss mitigation, Borrower engagement, Workout execution, Documentation review, Decision-making. Actively manage a pipeline of delinquent accounts. Drive resolution through effective borrower engagement and decisive workout execution”
What You'll Achieve.
Files move quickly from intake → decision → resolution; High-quality, complete packages with minimal rework; conversion into appropriate workout solutions; Low aging and minimal pipeline backlog; Positive borrower experience, even in difficult situations; Meet or exceed defined KPIs (cycle time, conversion rates, quality, and borrower experience)
Industry & Context.
Sound judgment and decision-making ability
Prepared to potentially meet in person as part of the process, Reside in specific states (Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin)
What They're Looking For.
Must Have
2+ years of experience in loss mitigation, mortgage servicing, underwriting, or related field, working knowledge of loss mitigation solutions and default processes, Experience reviewing borrower financial documents (tax returns, pay stubs, bank statements), Ability to manage a pipeline and prioritize effectively in a deadline-driven environment, Detail-oriented with sound judgment and decision-making ability
Nice to Have
Experience with chattel or non-traditional lending products, Knowledge of CFPB or other regulatory requirements, Bilingual (Spanish/English)
What You'll Do.
Actively manage a pipeline of delinquent accounts
Drive resolution through effective borrower engagement and decisive workout execution
Collect and validate documentation
Move accounts quickly to the right outcome—whether retention or liquidation
Manage an active pipeline of delinquent accounts requiring loss mitigation evaluation
Review borrower financials and determine eligibility for workout solutions
Drive the collection of complete and accurate documentation—minimizing back-and-forth and delays
Clearly communicate available options to borrowers
including retention (repayment plans
modifications) and liquidation paths (e. g.
well-supported decisions based on hardship
Maintain consistent follow-up to keep files moving and avoid stagnation
Ensure all accounts are handled in compliance with applicable regulations and internal policies
Document all activity accurately within servicing systems
How You'll Work.
Team & Collaboration
Partner with Collections, Underwriting, Legal, and Default teams to move accounts to resolution
Communication Scope
Ability to handle sensitive financial conversations
Process & Methodology
Manage a pipeline and prioritize effectively in a deadline-driven environment
Full Job Description
Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience. Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions. THE ROLE We’re looking for a Loss Mitigation Specialist to actively manage a pipeline of delinquent accounts and drive resolution through effective borrower engagement and decisive workout execution. This role is responsible for evaluating hardship, collecting and validating documentation, and moving accounts quickly to the right outcome—whether retention or liquidation. This is a high-touch, high-accountability role where success is measured by speed, accuracy, and resolution outcomes. What You’ll Do - Manage an active pipeline of delinquent accounts requiring loss mitigation evaluation - Review borrower financials and determine eligibility for workout solutions - Drive the collection of complete and accurate documentation—minimizing back-and-forth and delays - Clearly communicate available options to borrowers, including retention (repayment plans, deferrals, modifications) and liquidation paths (e.g., voluntary surrender) - Make timely, well-s
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