Trial Loan Specialist

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description We are seeking a highly motivated, adaptable Trial Loan Specialist. The Trial Loan Specialist supports borrowers with defaulted mortgages who are seeking loss-mitigation assistance and alternatives to foreclosure. In this role, you will review borrower documentation, analyze loan and income information, and use established investor guidelines to determine eligibility for available assistance programs. This position supports government-backed mortgage products. The ideal candidate is analytical, detail-oriented, adaptable, and comfortable receiving coaching in a quality- and production-focused environment. We are looking for someone who is eager to learn and grow, welcomes coaching and feedback, takes accountability for their work, and can adapt effectively to changing processes and business needs. Key Responsibilities • Review borrower documentation, loan information, and system data for accuracy and completeness. • Evaluate borrowers for available loss-mitigation programs and foreclosure alternatives. • Following different regulatory, and internal process requirements. • Perform income calculations and other detailed financial reviews when required. • Enter information accurately into mortgage servicing and loss-mitigation systems. • Use established eligibility “waterfalls” to determine appropriate borrower assistance options. • Research and resolve missing, inconsistent, or unclear information before completing a decision. • Meet established production, quality, and service-level expectations. • Respond professionally to quality reviews, coaching, and process feedback. • Adapt to changes in investor guidelines, technology, workflows, and departmental procedures. • Communicate clearly with leaders, quality partners, and other internal teams. • Take ownership of assigned work and escalate questions or concerns appropriately. • Maintain confidentiality when handling borrower and loan information. Basic Qualifications : • High school diploma or equivalent • One to two years of collections/loss mitigation or related experience Preferred Skills/Experience • Experience in mortgage servicing, banking, underwriting, collections, financial services, document review, or data processing is helpful but not required • Strong attention to detail and commitment to accuracy • Analytical and critical-thinking skills • Ability to review detailed documentation and identify inconsistencies • Strong organization and time-management skills • Clear written and verbal communication • Ability to learn new systems, processes, and guidelines • Adaptability in a changing and highly regulated environment • Openness to coaching and constructive feedback • Demonstrated accountability and ownership • Ability to work independently while collaborating with a team Location expectations: This role requires working from a U.S Bank location three (3) or more days per week. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our  disability accommodations for applicants . Benefits:   Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and ou