Mid Stage Mortgage Collector

Description

WE ARE HIRING!

We are seeking a highly motivated and experienced Mortgage Counselor to join our team. As a Mid-Stage Mortgage Counselor, you will be responsible for managing borrower outreach and resolving delinquent mortgage accounts between 60-89 days past due. You will engage borrowers through counseling and education, negotiate payment arrangements, and evaluate eligibility for home retention programs. If you have a strong passion for customer service, a keen understanding of regulatory requirements, and excellent communication skills, we encourage you to apply. 

Why Work with Us?

At our organization, we are dedicated to improving lives and strengthening Idaho communities. We believe that housing opportunities, self-sufficiency, and economic development are the pillars of progress. Our commitment to our team is unwavering, and we consider our employees our greatest priority. We offer competitive compensation packages, comprehensive health benefits, and abundant opportunities for professional development and growth. It's no wonder we have been recognized as one of the "Best Places to Work" in Idaho for a decade. Join us and be part of a vibrant, entrepreneurial organization that makes a meaningful impact on the lives of Idahoans. 

In This Role, You Will:

• Initiate outbound and receive inbound borrower phone calls for 60-89 days delinquent
• Negotiate payment arrangements with borrowers to avoid mortgage delinquency
• Follow up with borrowers on returned payments and maintain a high standard of quality during every call
• Work to meet the borrower's needs and maintain good customer relations while providing education and counseling as necessary
• Ensure compliance with regulatory requirements, including FDCPA, RESPA, and FCRA
• Review borrowers for home retention programs based on loan type
• Schedule property inspections and determine property condition
• Resolve delinquency through collection efforts and borrower assistance programs
• Maintain a downward trend in roll rates within assigned portfolio
• Achieve and maintain department goals and standards
• Issue demand letters between the 65th and 75th day of delinquency
• Other duties as assigned

Requirements

• 6 months of experience as an Early Stage Counselor, Mortgage Collections, or equivalent experience
• Strong verbal communication skills
• Strong organizational and critical thinking skills
• Self-motivated with an understanding sense of urgency
• Ability to handle multiple tasks and deadlines with high attention to detail
• Strong analytical skills to determine what is needed and where to spend effort throughout the day to maximize individual results
• One to Three years' experience in collections or servicing preferred