Evaluate, structure, and negotiate loss mitigation options including repayment plans, short-term forbearances, long-term forbearance agreements, loan modifications (term extension, rate adjustment, capitalization of arrears where permitted), partial claim or deferral options (if applicable to product structure), deed-in-lieu of foreclosure, short sale approvals, cash-for-keys agreements (where applicable), and settlement agreements on charged-off or deficiency balances (where allowed). Essential physical activities include the ability to remain stationary at a workstation for extended periods; use fine finger dexterity, grasping, and repetitive hand and wrist motions for typing and document handling; talk and hear clearly, including the frequent conveyance of detailed or important instructions; review printed and electronic documents with average visual acuity; and occasionally stand, walk, climb, balance, stoop, kneel, crouch, or crawl, and lift and move up to 10 pounds.