Collections Agent (Ottawa)

CMHC - SCHL; Ottawa; Hybrid; CAD 60,000 - 77,000; Full time

Job summary

Join a leading company as a Collections Agent in a temporary role focused on managing debt portfolios related to government programs. This hybrid position requires strong negotiation and analytical skills, along with a background in finance or business. The role offers a chance to make a meaningful impact while working in a supportive and inclusive environment.

Benefits

Annual individual performance bonus

Support towards personal and professional growth

Inclusive workplace culture

Qualifications

• At least three years of relevant experience in customer service or collections.
• Understanding of the mortgage industry and mortgage insurance business.

Responsibilities

• Administer a portfolio of judgment and non-judgment debt owed to CMHC.
• Negotiate settlements directly with clients within delegated authority.
• Guide third-party collection agencies on legal actions and settlements.

Skills

Communication

Negotiation

Empathy

Analytical Skills

Education

Post-secondary education in business, accounting, finance, legal, or commerce

Job description

Position Type : Hybrid with mandatory weekly presence

Travel Requirement : Limited

Language Skill Levels (Read / Write / Speak) : ZZZ

Security Requirement : Reliability Status

Salary : Our salaries generally range from $60,871.49 to $76,089.36 and are based on qualifications and experience.

About CMHC

The work you do and the work we do together matters. We come to work every day with a common purpose: to contribute to a well-functioning housing system.

At CMHC, we hold ourselves accountable for our results and support our colleagues in their achievements. We thrive on collaboration, connecting across CMHC and involving the right people to get our work done. We have flexibility in how, when, and where we work, within the boundaries of the business needs and the nature of your role. Our leadership style is guided by trust, where our leaders favor an adaptive approach based on the needs of their teams.

Join us and be part of a team that's committed to making a real difference and be part of something meaningful.

What’s in it for you

We’ve got the purpose, the people, and the perks you need for a fulfilling career. Here’s the comprehensive and generous benefits you get when you’re a contract employee:

• Annual individual performance bonus.
• Support towards your personal and professional growth with training, mentorship, and more.
• An inclusive workplace culture and environment.

About the role

Join our Commercial Solutions team as a Collections Agent. In this role, you will administer a portfolio of judgment and non-judgment debt owed to CMHC by assessing and processing the settlement of insurance claims resulting from mortgage and non-mortgage defaults related to government programs, while minimizing risk to achieve maximum collection on a case-by-case basis and a minimum of client complaints.

This is a temporary position lasting 12 months.

What you’ll do :

• Examine financial information, seeking historical and contextual data from various sources to establish the deficiency balance.
• Review bankruptcy proposals to protect CMHC's rights to obtain the highest possible dividends and determine acceptance or opposition.
• Analyze legal actions and judgment renewals when settlements are not reached.
• Recommend legal remedies to supervisors and solicitors, including placing execution orders, conducting debt examinations, garnishments, foreclosures, power of sale, and bankruptcies.
• Provide documentation for review and approval to manage risk, especially on policy or procedural exceptions outside financial authority.
• Locate consumers using resources such as credit bureaus, underwriting systems, social media, and online platforms.
• Negotiate settlements directly with clients within delegated authority, referring complex claims to senior team members.
• Guide third-party collection agencies, service providers, lenders, and internal departments on legal actions, settlements, and CMHC's position explanations.

What you should have :

• Post-secondary education in business, accounting, finance, legal, or commerce.
• At least three years of relevant experience in customer service or collections.
• Understanding of the mortgage industry and mortgage insurance business.
• Knowledge of the National Housing Act, Bankruptcy and Insolvency Act, Creditors Relief Act, and provincial collection laws.
• Strong communication and negotiation skills.
• Ability to exercise empathy, diplomacy, and tact, especially with distressed debtors.
• Excellent organizational skills for multi-tasking, prioritizing, and meeting deadlines.
• Analytical and problem-solving skills with sound judgment and escalation ability.

It would be great if you also had :

• Experience with accounts involving misrepresentation or fraud.
• Knowledge of mortgage laws, collections, default remedies, or property administration.

Posting closing date: The competition remains active until filled.

Our commitment to diversity, equity, and inclusion

We encourage applicants of all backgrounds, including women, Indigenous Peoples, persons with disabilities, veterans, and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities. We welcome applications from non-Canadians eligible to work in Canada.

CMHC values diversity and fosters an inclusive workplace where all perspectives are recognized and valued.

Learn more about our commitment to diversity and inclusion.

What happens after you apply

We appreciate your effort in applying. Learn more about our hiring process. If selected for an interview or testing, please inform us if you require accommodations.

If you previously applied and were unsuccessful, feel free to apply again as new positions are posted. We look forward to seeing what you can bring to the team!