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Loan Modification Negotiator Jobs (NOW HIRING)

Capital Farm Credit

Portfolio Manager

Round Rock, TX · On-site

Responsibilities include review of supporting credit underwriting team's work, preparing and managing loan modification/amendment requests, term conversion, legal document review, reviewing and ...

First Northern Bank

VP/REIT Loan Officer

Sacramento, CA · On-site

$150K - $160K/yr

Negotiate the loan terms and conditions with customers and prospects. * Present concept memos and ... The duties outlined in this description are subject to modification or change by the organization ...

First Northern Bank

VP/REIT Loan Officer

Sacramento, CA · On-site

$150K - $160K/yr

Negotiate the loan terms and conditions with customers and prospects. * Present concept memos and ... The duties outlined in this description are subject to modification or change by the organization ...

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Loan Modification Negotiator information

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$8

$38

$70

How much do loan modification negotiator jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for loan modification negotiator in the United States is $38.10, according to ZipRecruiter salary data. Most workers in this role earn between $23.80 and $45.19 per hour, depending on experience, location, and employer.

What is a loan modification negotiator?

Loan modification negotiators are professionals who work with borrowers and lenders to restructure existing loan terms, typically to help homeowners avoid foreclosure. They negotiate changes such as lower interest rates, extended loan periods, or reduced monthly payments to make the loan more affordable for the borrower. These negotiators assess the borrower's financial situation, prepare required documentation, and act as intermediaries to facilitate agreements that benefit both parties. Their goal is to find a mutually acceptable solution that keeps the borrower in their home while ensuring the lender recoups their investment.

What are the key skills and qualifications needed to thrive as a loan modification negotiator?

To thrive as a Loan Modification Negotiator, you need a solid understanding of mortgage lending, loan workout processes, and relevant financial regulations, often supported by experience in banking or real estate. Proficiency with loan servicing platforms, document management systems, and sometimes certification in mortgage or credit counseling are commonly required. Strong negotiation, problem-solving, and interpersonal communication skills help you effectively mediate solutions between lenders and borrowers. These competencies ensure successful resolution of delinquent loans, minimize financial losses, and support homeowners through challenging circumstances.

What are some common challenges faced by loan modification negotiators, and how can they be effectively managed?

Loan Modification Negotiators frequently encounter challenges such as navigating complex borrower financial situations, managing tight deadlines, and communicating between borrowers and lenders with differing priorities. To manage these effectively, strong organizational skills, attention to detail, and clear, empathetic communication are essential. Building a thorough understanding of loan products and modification programs also helps negotiators advocate for workable solutions, ensuring a smoother process for all parties involved.

What is the difference between Loan Modification Negotiator vs Loan Processor?

AspectLoan Modification NegotiatorLoan Processor
CredentialsTypically requires knowledge of mortgage laws, negotiation skills, and sometimes licensingRequires understanding of loan documents, credit analysis, and documentation skills
Work EnvironmentMostly office-based, interacting with clients and lendersOffice setting, reviewing and verifying loan documents
Employer & IndustryMortgage companies, banks, loan modification firmsBanks, credit unions, mortgage lenders
Search & Comparison IntentUnderstanding roles in mortgage modification and negotiationLoan processing procedures and responsibilities

The Loan Modification Negotiator focuses on negotiating terms to modify existing loans, often requiring negotiation skills and mortgage knowledge. In contrast, a Loan Processor handles the paperwork and documentation needed to approve loans. Both roles are essential in the mortgage industry but serve different functions in the loan lifecycle.

More about Loan Modification Negotiator jobs

What states have the most Loan Modification Negotiator jobs?

States with the most job openings for Loan Modification Negotiator jobs include:

What job categories do people searching Loan Modification Negotiator jobs look for?

The top searched job categories for Loan Modification Negotiator jobs are:

Loan Modification Negotiator jobs near you
Infographic showing various Loan Modification Negotiator job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 17% Part Time, 4% Contract, and 1% Nights. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $79,243 per year, or $38.1 per hour.

Commercial Underwriter II - North Florida

Seacoast Bank

Jacksonville, FL • On-site

Full-time

Posted 16 days ago

Seacoast Bank rating

8.6

Company rating: 8.6 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

33rd of 175 rated banks

Job description

LOCATION: North Florida
JOB SUMMARY:
Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio.
Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants.
  • Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert.
  • Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions.
  • Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments.
  • Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities.
  • Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining, and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis.
  • Utilize designated authorities judiciously.

  • Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs.
  • Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques.
  • Exercise time management and organizational skills.
  • Responsible for assisting other Underwriters to aid in covering overflow.
  • Adhere to Seacoast Bank's Code of Conduct.

EDUCATION and/or EXPERIENCE:
  • A Bachelor's Degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred.
  • Minimum of seven years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred.
  • Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions.
  • Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations.
  • Familiarity with various industries and commercial property types.
  • Experience evaluating economic and market conditions in the markets or lines of business served.
  • Experience analyzing collateral and collateral valuation.
  • Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis.
  • Formal credit training preferred.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
#LI-TR1
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.

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