Mid-Stage Mortgage Collections Representative en Idaho Housing and Finance Association

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.

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
• Resolve delinquency through collection efforts and borrower assistance programs
• Achieve and maintain department goals and standards
• Issue demand letters between the 65th and 75th day of delinquency
• Other duties as assigned

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. Join our team and be part of a company that is mission-driven and values innovation, growth, and continuous learning.

Requirements

• 6+ months of experience as a collections representative, mortgage collector, 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
• 1-3 years of experience in collections or servicing preferred