Description Home Mortgage Operations Specialist performs accounting functions for internal business lines such as Foreclosure, Litigation, Bankruptcy and Loss Mitigation. Home Mortgage Operations Specialist completes processes in accordance with investor/insurer guidelines and statutory requirements. Accounting functions are often complex and multi-layered and must be completed in a manner that protects our ability to file and collect investor/insurer Claims. Primary responsibilities include + Completing Foreclosure and Deed-in-lieu Removals and Re-adds + Processing Foreclosure 3rd Party sales proceeds, Redemptions and investor Charge offs + Processing Reinstatements, Payoffs and Settlements on Foreclosure and Litigated Loans + Completing Bankruptcy Cram downs and Lien Strips + Combining Multiple Liens in REO + Completing Loan Modification Capitalization, Partial Claims and Payment Deferrals + Processing Loss Mitigation Short Sales + Processing Suspense funds and Payment reversals + Researching and Reconciling General Ledger accounts + Assisting with post application Quality Control reviews + Assisting with Invoice management tasks and projects + Assisting management with various projects and other Investor Operations functions as needed . Key Success factors include: + Knowledge of the Foreclosure process and state and statutory Foreclosure requirements + Knowledge of Loss Mitigation Retention and Litigation options + Knowledge of Bankruptcy processes + Ability to solve complex accounting issues + Ability to multi- task and meet firm deadlines Qualifications, Education, Certifications and/or Other Professional Credentials + 3 to 5 years of experience with home Mortgage Default Management, Loss Mitigation, Foreclosure, Bankruptcy or extensive Cash Management Processing + Strong Accounting background + Knowledge of Investor/Insurer default management requirements + Experience with Corporate Advance and General Ledger Accounts + Strong organizational , analytical and problem-solving skills + Ability to solve complex accounting issues + Excellent communication skills + Strong attention to detail + Ability to manage competing priorities + Knowledge of MSP + Strong Microsoft office skills(Excel/Word) + Education-Certifications and/or other professional Credentials: HS Diploma, College degree, Associates degree and/or minimum of 3 years mortgage default servicing experience Hours & Work Schedule + Hours per Week:40 + Work Schedule: Monday - Friday 8:00am-5:00pm + Position will be in-office 4 days a week, 1 day remote Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 04/27/2026