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Mortgage Loan Modification Jobs (NOW HIRING)

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Mortgage Loan Modification information

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$28.5K

$50.9K

$94.5K

How much do mortgage loan modification jobs pay per year?

As of Sep 5, 2026, the average yearly pay for mortgage loan modification in the United States is $50,903.00, according to ZipRecruiter salary data. Most workers in this role earn between $40,000.00 and $55,000.00 per year, depending on experience, location, and employer.

What is a mortgage loan modification?

A Mortgage Loan Modification job involves assisting homeowners in adjusting the terms of their existing mortgage to make payments more manageable. This can include lowering interest rates, extending the loan term, or changing the loan structure to avoid foreclosure. Professionals in this role work with borrowers, lenders, and financial institutions to negotiate favorable terms and ensure compliance with lender guidelines and regulations.

What are the typical daily responsibilities of someone working in mortgage loan modification?

Professionals in Mortgage Loan Modification typically review borrower financial documents, evaluate eligibility for modification programs, and communicate with clients and internal stakeholders to gather and verify information. They prepare modification proposals, submit paperwork for approval, and ensure all transactions comply with current lending regulations and company policies. Collaboration with underwriters, legal teams, and customer service representatives is common, as is managing a portfolio of active modification cases. The role requires balancing detailed, paperwork-driven tasks with frequent, empathetic client interactions to help homeowners find feasible solutions.

What are the key skills and qualifications needed to thrive in mortgage loan modification, and why are they important?

To thrive in Mortgage Loan Modification, you need a strong understanding of mortgage products, lending regulations, and financial analysis, typically supported by experience in banking or mortgage services. Familiarity with loan servicing software, document management systems, and compliance tracking tools is frequently required. Strong organizational skills, empathy, and the ability to effectively negotiate and communicate with borrowers are essential soft skills. These abilities are crucial for ensuring successful restructuring of loans, maintaining regulatory compliance, and providing positive outcomes for both clients and lenders.

More about Mortgage Loan Modification jobs

What are the most commonly searched types of Mortgage Loan Modification jobs?

The most popular types of Mortgage Loan Modification jobs are:

What states have the most Mortgage Loan Modification jobs?

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

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

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

Mortgage Loan Modification jobs near you
Infographic showing various Mortgage Loan Modification 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 $50,903 per year, or $24.5 per hour.

Operation Service Department-Consumer Residential Mortgage Loan Processing Associate

Bank of China Limited, New York Branch

Manhattan, NY • On-site

$42K - $90K/yr

Full-time

Re-posted 24 days ago

Job description

Established in 1912, Bank of China is one of the largest banks in the world, with over $3 trillion in assets and a footprint that spans more than 60 countries and regions. Our long-term outlook, institutional weight and global breadth provide our clients with a stable and reliable financial partner, whether in Corporate or Personal Banking or our Trade Services, Commodities, Financial Institutions and Global Markets lines of business.


The Consumer Residential Mortgage Loan Process Associate is to ensure the timely and accurate operation and administration process of consumer mortgage loan transactions and administration originated by the Front Business Line, review loan transaction request is performed and align with the Bank’s procedures, policy guidelines, standards, and regulatory requirements.


Consumer Residential Mortgage Transaction/Administration (80%)

  • Perform review of loan, credit financing document, interest rate modification, Flood and Insurance, Appraisal documents, and amortization schedule against financing documents and internal credit approvals.
  • Timely track and process disbursements of flood search fees, real estate tax service fees, appraisal fees, Timely assess and process insurance payment for premium held by the Bank.
  • Verify escrow of flood insurance premium for properties located in flood area upon receipt of the Determination form identified by third party vendor.
  • Create and maintain payment, real estate, and insurance tax Files.
  • Review end of day reconciliation to ensure all related transactions are processed.
  • Prepare mortgage payment schedule.
  • Prepare monthly LTV report to Queens Branch.
  • Monitor payment status of monthly loan payment and, quarterly and semi-annual real estate tax payment. Investigate and provide report finding of non-payment to Front Business Line.
  • Monthly monitoring insurance policy expiry status reported by DCT. Follow up for updated Flood, Appraisal, and Insurance policies.
  • Report to Front Business Line on overdue payments.
  • Process balance confirmations per customer’s request.

Risk Management/Compliance/Internal Audit (20%) 

  • Understand and comply with the Bank’s procedures, policies, standards, and regulatory requirements.
  • Assist to update procedure to reflect current workflow process and regulatory updates.
  • Periodic review of IRS Publication of Home Mortgage Interest Deduction to assess any changes on current requirements.
  • Conduct flood search and maintain the original copy of the Flood Determination Form for regulatory review.
  • Prepare Annual Escrow Disclosure Statement and Year End escrow Statement.
  • Ensure CFBP Mortgage Servicing Rules (Consumer Lending Compliance) are current and update Policy & Procedure Manual.
  • Review Form 1098 Mortgage Interest Statement on an annual basis.
  • Alert of any suspicious items and report to BSA Officer of the Front Business Line.

  • Bachelor's degree required
  • Experience in banking and financing is highly preferred

  • Understanding of different types of mortgage lending structure, review flood & tax policies, reconciliation of payments and basic accounting principles required


USD $42,000.00 - USD $90,000.00 /Yr.

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