Bilingual Mortgage Default Counselor & Field Inspector

ADP, Inc.; Providence (RI); Hybrid; USD 55,000 - 69,000; Full time

Benefits offered by this job

Parking stipend

Paid time off

Retirement options

Flexible work hours

Education reimbursement

Onsite fitness classes

Best Places to Work awards

Job summary

RIHousing in Providence, RI seeks a Default Counselor-Inspect to support the Loan Servicing Department with field visits, counseling borrowers through delinquency, and participation in foreclosure processes. The role requires face-to-face interaction, property condition assessments, and coordination with municipal and vendor partners.

Qualified candidates have 3 years in mortgage collections, knowledge of insured loan programs, and bilingual abilities (Spanish/Portuguese).

Qualifications

• Three years’ experience in mortgage collections and counseling.
• Knowledge of GNMA, FNMA, FHLMC, and FHA/VA insured loans, including foreclosure/eviction processes and credit reporting.
• Strong negotiations, communications, and organizational skills.
• Ability to work independently, self-motivated with good time management.
• Associate's degree in business administration or related field.
• Bilingual ability, particularly Spanish or Portuguese.
• Driver’s license and use of a personal vehicle; proof of insurance.
• Limited telework schedule due to the nature of the job.

Responsibilities

• Administer the collections process in compliance with policies, guidelines, and investor requirements, including delinquency reporting.
• Contact delinquent borrowers through property visits to determine reasons for default and provide face-to-face counseling, with property condition assessments for referrals.
• Conduct monthly property inspections on delinquent loans to determine occupancy and inspect 203K rehab loans; complete inspection reports.
• Attend foreclosure sales and eviction hearings as RIHousing representative.
• Coordinate with vendors, municipal staff, utility companies, and borrowers to provide access to RIHousing properties.
• Record time-sensitive documents at municipalities throughout the state.
• Maintain accurate documentation and monitor status of assigned loans.
• Participate in cross-training for other servicing functions and support special projects.

Skills

Negotiations

Communications

Organizational skills

Education

Associate's degree in business administration

Job description

RIHousing in Providence, RI seeks a Default Counselor-Inspect to support the Loan Servicing Department with field visits, counseling borrowers through delinquency, and participation in foreclosure processes. The role requires face-to-face interaction, property condition assessments, and coordination with municipal and vendor partners.

Qualified candidates have 3 years in mortgage collections, knowledge of insured loan programs, and bilingual abilities (Spanish/Portuguese).