Collections Officer - Mortgages

Impel Management; Sydney; Vor Ort; AUD 55.000 - 85.000; Vollzeit

Zusammenfassung

Impel Management in Australia is seeking a Collections Officer to manage consumer collections from the first missed payment through hardship, enforcement and recovery, serving as the main contact for borrowers.

You will need NCCP knowledge, strong negotiation and communication skills, resilience and attention to detail, with the ability to work independently and meet KPI targets.

Qualifikationen

• 2+ years' mortgage collections experience
• Minimum 1 year mortgage collections essential
• Knowledge of NCCP, Corporations Act, PPSA, AML/CTF and Privacy Act, plus ASIC and ACCC debt collection guidance
• Strong negotiation and communication skills
• Resilience and calm under pressure
• High attention to detail in notes and records
• Solid Excel skills and data familiarity
• Ability to manage multiple accounts independently
• Finance degree is a plus
• Australian citizenship or permanent residency

Aufgaben

• Contacting borrowers in arrears and negotiating repayment arrangements
• Assessing hardship applications and verifying documents
• Handling borrower enquiries and disputes on payments and loan terms
• Running the legal recovery process, including default and enforcement notices
• Working with solicitors and attending court hearings when required
• Calculating and pursuing post-sale shortfalls and tracking recoveries
• Managing portfolio against KPIs for productivity and arrears
• Reporting on delinquent loans and spotting trends
• Building relationships with introducers and internal teams

Jobbeschreibung

Most collections roles stop when the file goes to legal. This one doesn't.

An Australian home loan lender is looking for a Collections Officer to manage its consumer collections, from the first missed payment through to hardship, enforcement and recovery. You'll be the main point of contact for borrowers going through a difficult time.

It suits someone who can have a tough conversation with empathy, and who knows the NCCP well enough to get the process right every time.

What you'll be doing

• Contacting borrowers in arrears and negotiating repayment arrangements to bring accounts current
• Assessing hardship applications, verifying supporting documents and explaining the options available
• Handling borrower enquiries and disputes on payments and loan terms
• Running the legal recovery process, including default and enforcement notices, possession proceedings and mortgagee sales
• Working with solicitors and agents, and attending court hearings when required
• Calculating and pursuing post-sale shortfalls, lodging proofs of debt and tracking insolvency recoveries
• Managing your portfolio against KPIs for productivity, arrears and loan losses
• Reporting on delinquent loans and using collections data to spot trends and improve the process
• Building relationships with introducers and internal teams, including on product switches and hardship programs

What you'll bring

• 2+ years' recent mortgage collections experience with a bank or finance company is highly preferred
• Minimum 1 years' experience in mortgage collections essential
• Working knowledge of the NCCP, Corporations Act, PPSA, AML/CTF and Privacy Act, plus ASIC and ACCC debt collection guidance
• Strong negotiation and communication skills, written and verbal
• Resilience, good judgement and the ability to stay calm in stressful conversations
• High attention to detail in your file notes and record keeping
• Solid Excel skills and comfort working with data
• The ability to manage multiple accounts and work independently
• A finance degree is a plus, but not essential
• Australian citizenship or permanent residency