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Foreclosure specialist vs commercial loan officer

The differences between foreclosure specialists and commercial loan officers can be seen in a few details. Each job has different responsibilities and duties. Additionally, a commercial loan officer has an average salary of $70,876, which is higher than the $41,088 average annual salary of a foreclosure specialist.

The top three skills for a foreclosure specialist include foreclosure process, insurer and loss mitigation. The most important skills for a commercial loan officer are customer service, loan portfolio, and financial statements.

Foreclosure specialist vs commercial loan officer overview

Foreclosure SpecialistCommercial Loan Officer
Yearly salary$41,088$70,876
Hourly rate$19.75$34.08
Growth rate-3%4%
Number of jobs8,16691,582
Job satisfaction--
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 76%
Average age4345
Years of experience-6

What does a foreclosure specialist do?

A foreclosure specialist is a real estate professional that manages foreclosure processes. Serving in this role means that you will have responsibilities such as ensuring that aspects related to foreclosure meet all government regulations from the federal level to the state level and that deadlines are met and duly communicated to all parties involved. You may have to work with mortgage holders that run the risk of default, in which case you will be tasked with renegotiating loan agreement changes.

What does a commercial loan officer do?

Commercial loan officers are financial professionals who are responsible for assessing and processing business loan applications at financial institutions. These loan officers must advise clients about their suitable loan and credit options while consulting with managers on credit policies, credit lines, and procedures. They are required to obtain and assess the financial information of applicants that includes their financial statements and credit histories. Commercial loan officers must also collaborate with other financial institutions to set up loan packages for extensive loans.

Foreclosure specialist vs commercial loan officer salary

Foreclosure specialists and commercial loan officers have different pay scales, as shown below.

Foreclosure SpecialistCommercial Loan Officer
Average salary$41,088$70,876
Salary rangeBetween $28,000 And $58,000Between $50,000 And $100,000
Highest paying City-Fort Lee, NJ
Highest paying state-Maine
Best paying company-Glacier Ban
Best paying industry-Finance

Differences between foreclosure specialist and commercial loan officer education

There are a few differences between a foreclosure specialist and a commercial loan officer in terms of educational background:

Foreclosure SpecialistCommercial Loan Officer
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 76%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Foreclosure specialist vs commercial loan officer demographics

Here are the differences between foreclosure specialists' and commercial loan officers' demographics:

Foreclosure SpecialistCommercial Loan Officer
Average age4345
Gender ratioMale, 32.2% Female, 67.8%Male, 73.8% Female, 26.2%
Race ratioBlack or African American, 8.6% Unknown, 3.9% Hispanic or Latino, 9.6% Asian, 10.0% White, 67.6% American Indian and Alaska Native, 0.3%Black or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 15.5% Asian, 6.5% White, 63.6% American Indian and Alaska Native, 0.5%
LGBT Percentage4%8%

Differences between foreclosure specialist and commercial loan officer duties and responsibilities

Foreclosure specialist example responsibilities.

  • Manage a SharePoint site to store all materials.
  • Manage property inspection process through network of accredit REO inspectors.
  • Manage both conforming and non-conforming loans according to FNMA guidelines to maximize recovery.
  • Work closely with assign eviction and foreclosure attorneys towards a successful lockout.
  • Communicate with attorneys in reference to their claims submit to FHLMC.
  • Update files in AS400 as well as LPS to reflect sales, mediation depositions and hearings.
  • Show more

Commercial loan officer example responsibilities.

  • Create and manage mortgage loan department along with commercial consumer, SBA and real estate lending producing additional revenue stream.
  • Manage a multifacete commercial real estate investment firm.
  • Mortgage underwriter for FHA direct endorsement, VA authorize & FNMA delegate programs.
  • Sign and issue payroll checks to contractors hire to complete REO projects.
  • Secure new loans, investment accounts, treasury management products and depository accounts.
  • Compile figures for sales amount prior to selling real estate own (REO).
  • Show more

Foreclosure specialist vs commercial loan officer skills

Common foreclosure specialist skills
  • Foreclosure Process, 9%
  • Insurer, 6%
  • Loss Mitigation, 5%
  • Litigation, 5%
  • Real Estate, 5%
  • MSP, 5%
Common commercial loan officer skills
  • Customer Service, 9%
  • Loan Portfolio, 8%
  • Financial Statements, 6%
  • Business Development, 6%
  • Commercial Loans, 4%
  • Bank Products, 4%

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