Mortgage Assistance Specialist; Hybrid Ladysmith

*** This role can sit anywhere in any of our greater Fredericksburg locations. Frequent travel to Ladysmith is required***

The Mortgage Assistance Specialist will be responsible for assisting clients who are experiencing either short term or long term hardships with their Mortgage in an effort to avoid the completion of Foreclosure, in accordance with all Federal, State and local regulations and Atlantic Union Banks' policy and procedures. They will be directly assigned to a number of clients who are delinquent or at high risk for delinquency and will be tasked with collecting and underwriting documents to policy.

They will be the single point of contact between Atlantic Union Bank and the borrower. This position will be expected to work well with limited supervision.

• Develops comprehensive knowledge of the Mortgage Assistance Center processes and procedures to recommend solutions to maintain home ownership.
• Reviews the borrowers' financial situation and, if modification options are not possible, discusses liquidation options.
• Compiles a complete file and underwrites to Policy. Candidate must be able to analyze housing credit and income information, identify and recommend options for borrowers and notify borrowers of decision.
• Review mortgage collateral documentation for accuracy.
• Ensure compliance to federal, state, and bank regulation requirements.
• Ensure that all audit and compliance policies are met.
• Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union's Policy and Procedures.
• Prepares and sends legal documentation to borrowers.
• Meets performance standards and goals established by the bank.

This position reports to the Mortgage Assistance Center Manager.

• Undergraduate degree preferred.
• Previous underwriting experience preferred.

• Ability to gain trust and support of peers.
• Dedicated to meet the expectations and requirements of customers.
• Excellent customer service skills and commitment to high quality customer care.
• Strong communication skills, written and oral, in relating to internal and external customers.
• Excellent interpersonal and organization skills.
• High degree of professionalism.
• Detail oriented and quality focused.
• Superior time management, analytical and problem solving skills.
• Advanced math and moderate accounting skills.
• Ability to effectively perform multiple tasks under aggressive time constraints.
• Advanced knowledge of underwriting guidelines.
• Moderate computer skills relevant to Microsoft Office Suites.
• Seeks solutions for improvement in process and products.

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting

We are proud to be an Equal Employment Opportunity employer. We maintain a drug‑free workplace.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.