Location: 4910 Tiedeman Road - Brooklyn, Ohio 44144 Location: This role will require on-site training for minimally the first 2 weeks. After training is completed, the role will be Monday- Friday with Wednesday being a required day to work in the office Hours: Monday- Thursday the hours will be between 8am-7pm and Friday is a set schedule of 8am-5pm. JOB BRIEF (PURPOSE) Work with KeyBank clients/borrowers to understand specific situation; identify and request appropriate information during verbal application where customers with non-real estate (NRE) consumer loans request hardship assistance. The NRE Single Point of Contact (SPOC)uses "One Call Resolution" strategy to decision the request while customer is on the phone. Expected to engage, understand and advise borrowers of available options to resolve non real estate secured and unsecured delinquency. ESSENTIAL JOB FUNCTIONS Initiates outbound contact with borrowers to determine "reason for default", borrower intent, financial ability to repay debt, and to identify potential loss mitigation options/solutions. Balance multiple priorities and tasks such as inbound/outbound phone calls, letter generation, trial payment and document tracking. Answer inbound phone inquiries from borrowers regarding the status of loss mitigation, modifications Interviews borrowers to understand borrower's specific situation; identify and request appropriate documents required for workout review. Assists customers that are in a loan default situation to find solutions to maintain collateral ownership or to identify and discuss property liquidation options when a modification is not appropriate. Reviews and coordinates routine to complex workouts and or coordinates short sale liquidations. Knowledge and understanding default servicing, loan default legal process and legal terminology. Handle all customer emails and voice mails that are assigned Access information in multiple systems to inform borrowers of loan workout terms, important dates and deadlines. Make "good faith" payment arrangements with borrower to ensure account does not fall further behind while loss mitigation options are being evaluated. Notify and inform borrowers of changes to dates/timelines and decisions as they are made. Provide information to borrower concerning escalation/complaint procedures and process per CFPB guidelines. Efficiently handle a variety of customer inquiries, via phone call and written correspondence, regarding the customer's loan. Become a "subject matter expert" (SME) on non-real estate secured and unsecured loss mitigation options and qualification requirements. Minimize call escalations by gaining our customer's trust and keeping our promises. Prioritize quality and efficiency in resolving customer issues. Ensures compliance with all applicable federal and state laws, regulations, investor requirements and CFPB Servicing Guidelines. Maintains appropriate records and documents the system of record in order to preserve a history of actions taken or denied. Verbally collect customer financial information to render a decision on Non-Real Estate accounts Monitor for and process Trial Payments, as applicable. Operate as a loss mitigation/SPOC SME and operate as a mentor to other peers. Taking escalated calls from Peers and following-up with customers with escalated issues to identify root causes, and using problem-solving skills to resolve the issues. Work with Legal and Compliance to review and gather requested information for Executive Client Resolutions Conduct preliminary review of loss mitigation applications. Notate collection system to preserve a history of actions taken. Assign completed applications to loss mitigation analysts for analysis. Adhere to all Government Regulations and Key Bank policies. Reviewing and responding from within the escalation mailbox daily to bring peer questions