Maryville, Tennessee, United States · Hybrid
$21/hr–$24/hr
At Vanderbilt Mortgage, we believe homeownership makes lives better. For over 50 years, we’ve been committed to making homeownership more attainable for families across the country by providing mortgage solutions that un…
Skills: Account management, Foreclosure processing, Repossession processing, Legal document preparation, Compliance management
Nashville, North Carolina, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Quality auditing, Documentation, Communication, Microsoft Word, Microsoft Excel
Maryville, Tennessee, United States · Hybrid
$90k–$100k/yr
At Vanderbilt Mortgage, we believe homeownership makes lives better. For over 50 years, we’ve been committed to making homeownership more attainable for families across the country by providing mortgage solutions that un…
Skills: Loan origination, Mortgage lending, Credit analysis, Financial verification, Customer service
Athens, Texas, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Manufacturing, Teamwork, Safety compliance, OSHA regulations, Quality control
Sparta, Tennessee, United States · On-site
$17/hr
HouseSmart Construction – Transportation Associate I HouseSmart’s Transportation Associate will work with CDL Drivers and the Transportation Supervisor to safely and effectively escort Clayton’s manufactured homes. This …
Skills: Driving, Site preparation, Equipment operation, Safety compliance, Route planning
Loudon, Tennessee, United States · On-site
HouseSmart Construction – CDL Driver I HouseSmart’s CDL Driver I will be pulling and assisting with the set of Clayton’s manufactured homes. Assisting with the set of the homes includes tasks like identifying, directing,…
Skills: CDL driving, Heavy equipment operation, Site preparation, Problem solving, Teamwork
Maynardville, Tennessee, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Tool inventory management, Preventative maintenance, Welding, Hydraulics, Pneumatics
London, Kentucky, United States · On-site
$55k–$65k/yr
Construction Project Manager Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. The…
Skills: Construction management, Permitting, Customer service, Scheduling, Contractor management
Elko, Nevada, United States · On-site
Home Consultant Do you want to be a part of transforming the lives of others? Are you eager to grow in your career and work for a company where you can control your own salary? We are looking for game changers with an ea…
Skills: Sales, Customer service, Relationship management, CRM, Time management
Athens, Texas, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Manufacturing, Production operations, Safety compliance, Teamwork, Communication
Maryville, Tennessee, United States · On-site
At Vanderbilt Mortgage, we believe homeownership makes lives better. For over 50 years, we’ve been committed to making homeownership more attainable for families across the country by providing mortgage solutions that un…
Skills: Bilingual Communication, Customer Service, Call Center Operations, Mortgage Financing, Client Relations
Russellville, Alabama, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Manufacturing production, Safety compliance, OSHA regulations, Teamwork, Quality control
Waco, Texas, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Continuous improvement, Lean manufacturing, Process mapping, Root cause analysis, Time studies
Gallatin, Tennessee, United States · On-site
GENERAL FUNCTION: Under supervision of the VP of Operations, the Courier/Permit Administrator is responsible for ensuring timely application and receipt of building permits and running delivery errands for many different…
Skills: Permit application, Administrative support, Courier services, Microsoft Excel, Microsoft Word
Sacramento, California, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Construction, Framing, Blueprint reading, Carpentry, Installation
Austin, Texas, United States · On-site
Home Consultant Do you want to be a part of transforming the lives of others? Are you eager to grow in your career and work for a company where you can control your own salary? We are looking for game changers with an ea…
Skills: Sales, Customer service, Relationship management, CRM software, Marketing
Tazewell, Virginia, United States · On-site
Home Consultant Do you want to be a part of transforming the lives of others? Are you eager to grow in your career and work for a company where you can control your own salary? We are looking for game changers with an ea…
Skills: Sales, Customer service, Relationship management, Communication, Time management
Belton, Texas, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: Quality assurance, Manufacturing, Leadership, Team training, Compliance
Sulphur Springs, Texas, United States · On-site
Home Consultant Do you want to be a part of transforming the lives of others? Are you eager to grow in your career and work for a company where you can control your own salary? We are looking for game changers with an ea…
Skills: Sales, Customer service, Relationship management, CRM software, Marketing
Hamilton, Alabama, United States · On-site
Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a…
Skills: OSB sheathing installation, Vinyl siding installation, Window installation, Eave and overhang installation, Roof decking
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The Legal Representative manages defaulted loans through the repossession or foreclosure process while ensuring compliance with federal and state regulations. They collaborate with outside counsel, negotiate settlements, and prepare necessary legal documentation to mitigate company risk.
Candidates must have a high school diploma or equivalent and a minimum of 3 years of relevant experience. Strong computer skills, attention to detail, and the ability to navigate complex legal and regulatory requirements are essential.
At Vanderbilt Mortgage, we believe homeownership makes lives better. For over 50 years, we’ve been committed to making homeownership more attainable for families across the country by providing mortgage solutions that unlock the freedom of home. As a national housing lender, we specialize in financing new and pre-owned manufactured and modular homes. With a diverse range of loan products, a reputation for world-class customer service and a coast-to-coast presence, Vanderbilt continues to be a leader in the industry. Our strength is our people—which is why we prioritize investing in our Team Members through opportunities for growth, a healthy work-life balance, and meaningful recognition of their contributions. Whether just starting out or bringing years of experience, Vanderbilt empowers our Team Members with the tools and training to build a successful career and reach their full potential.
POSITION TITLE: Legal Representative (Non – LO – Servicing)
JOB STATUS: Full Time/Hourly
DEPARTMENT: Default Servicing
REPORTS TO: Legal Team Lead
TRAVEL REQUIRED: As Needed
WORK SCHEDULE: Hybrid – 4 days in-office, 1 day remote after training.
PAY: The expected hiring range for this position is from $21.69 - $24.75/hour plus additional bonus opportunity. The stated hiring range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs.
JOB SUMMARY:
The Legal Representative is responsible for managing a portion of originated and serviced loans that have moved from the bankruptcy process to the repossession or foreclosure process. The Legal Representative works directly with customers to avoid legal action and recommends solutions for contested matters. This role is responsible for reviewing and adhering to both internal policies and applicable Federal regulations to ensure compliance and quality service to our customers.
JOB FUNCTIONS:
Account Management
Manages assigned defaulted loans consisting of originated, acquired, and serviced loans nationwide.
Oversees all aspects of accounts including:
Tracking and verifying payment deadline and date of sale.
Follow-up with outside counsel.
Completing and verifying all necessary steps are followed in the repossession/foreclosure process.
Ensures that all compliance measures are met during the repossession or foreclosure process for borrowers to protect the company from penalties and lawsuits.
Self-audits portfolio of loans to ensure compliance with federal, state, and internal regulations and policies.
Troubleshoots contested and Native American tribal matters by providing recommendations to leadership with limited guidance.
Seek legal counsel if necessary given high cost to Company for mistakes.
Mitigates risk and loss for the company through:
Negotiating payments,
Auditing actions and documents from outside counsel, and
Reviewing and resolving title/lien issues.
Communicates and collaborates across all VMF servicing and remarketing to find best solutions for loss mitigation.
Attorney Collaboration and Preparation
Prepares and reviews documents (e.g., promissory notes, mortgage paperwork, deed of trust, payment records, notice(s) of default, notice of acceleration, notice of sale, copies of communications, foreclosure filing documents, court documents, sale documents) and packages for attorneys.
Assesses need for attorneys, reviews fee agreements, negotiates fees, and collaborates with leaders while onboarding new attorneys.
Negotiates on deed in lieu of foreclosure, voluntary surrenders, and relocation assistance with borrowers and attorneys.
Negotiates for short sales and settlements with borrowers and attorneys.
Travels to court hearings and proceedings with team leader when necessary.
Approves payment for attorney invoices according to individual fee agreements.
Operational Support
Cross-trains with Bankruptcy and Recovery Department to handle basic bankruptcy and recovery calls.
Collaborates with vendor management in onboarding process for new vendors as needed.
Establishes foundational relationships with Remarketing Asset Managers to assist with and monitor the entire legal process.
Identifies areas where internal compliance policies can be improved and collaborates on projects to implement improvement.
Assesses regulations and rule changes to suggest necessary updates to Bankruptcy Policies and Procedures Manual.
Other duties as assigned
This job description is not an exhaustive list of all the functions that a team member and other duties may be assigned.
QUALIFICATIONS:
Education: High School diploma or equivalent required.
Experience: Minimum of 3 years of experience required.
Ability to learn and apply a variety of state and Native American tribal laws.
Strong understanding of both internal compliance policies and the Federal regulatory items which govern our internal compliance policies.
Must have strong computer skills with ability to navigate Microsoft Office Suite.
Demonstrates excellent written and verbal communication with customers, attorneys, other VMF departments, and state and county offices.
Capable of gathering facts accurately, analyzing causes, evaluating alternate solutions, and arriving at sound conclusions on action to be taken.
Ability to manage multiple and/or conflicting responsibilities.
Great attention to detail, organizational skills, and time management.
Ability to work in a team environment.
Ability to handle stressful situations and make difficult decisions on behalf of the Company.
Capable of dealing with changes that can and will occur periodically.
Good sense of urgency and follow-up.
Takes initiative in problem solving/decision making by demonstrating the ability to involve key stakeholders and make recommendations.
PHYSICAL DEMANDS:
Must be able to remain in a stationary position 75% of the time.
Will be constantly operating a computer and other office productivity machinery, such as a telephone, calculator, copy machine, and computer printer.
Will be communicating via phone, Teams, and Zoom.
Must be able to exchange accurate information at all times.
Must be able to identify and assess account status and determine appropriate process.
Will constantly work in a state-of-the-art indoor temperature controlled, sealed window office environment.
BENEFITS:
Medical and Dental Plan with Prescription Coverage and Vision.
Competitive benefits including 401(K) includes 100% company match of the first 4%.
Paid time off days (PTO), maternity/paternity leave, and holidays.
Community involvement including Volunteer Paid Time Off (VTO).
Tuition Assistance for your first degree
Enjoy coming “home” to our brand new, state-of-the-art Home Office equipped with onsite fitness facility with full gym, workout classes, volleyball and basketball courts, ping-pong, disc golf course, and onsite restaurant.
Wellness programs that focus on emotional, social, spiritual, intellectual, environmental, physical, and financial well-being.
Collaborative and energetic work environment.
Professional development and promotional opportunities.
Competitive bonus programs.
Vanderbilt Mortgage and Finance, Inc. is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.
Business Unit -
Vanderbilt MortgageFounded in 1956, Clayton is a leading single-family, values-driven home builder committed to opening doors to a better life through homeownership. The company’s portfolio includes a comprehensive range of site-built, modern manufactured, Tiny, CrossMod® and modular housing. In 2025, Clayton built more than 59,000 homes nationwide. Clayton remains committed to delivering attainable, sustainably-built housing with a lower cost of homeownership and creating world-class experience for customers and team members. For more information, visit claytonhomes.com. Watch our recruitment video here: http://bit.ly/3VKeV3V Potential job seekers: We are aware of multiple cases where individuals have been posing as our recruiters and contacting job seekers with fake job opportunities. If you have experienced this activity, please immediately file a complaint to the Internet Crime Complaint Center at www.ic3.gov.
Offices: Maryville, Tennessee 37804, US
Founded in 1956, Clayton is a leading single-family, values-driven home builder committed to opening doors to a better life through homeownership. The company’s portfolio includes a comprehensive range of site-built, modern manufactured, Tiny, CrossMod® and modular housing. In 2025, Clayton built more than 59,000 homes nationwide. Clayton remains committed to delivering attainable, sustainably-built housing with a lower cost of homeownership and creating world-class experience for customers and team members. For more information, visit claytonhomes.com. Watch our recruitment video here: http://bit.ly/3VKeV3V Potential job seekers: We are aware of multiple cases where individuals have been posing as our recruiters and contacting job seekers with fake job opportunities. If you have experienced this activity, please immediately file a complaint to the Internet Crime Complaint Center at www.ic3.gov.
Offices: Maryville, Tennessee 37804, US
