Early-Stage Mortgage Counselor & Collections Specialist

Idaho Housing and Finance Association; Boise (ID); On-site; USD 42,000 - 52,000; Full time

Job summary

Idaho Housing and Finance Association is seeking an Early Stage Loan Counselor to provide customer-focused support to borrowers past due on home loans. You will assist with payment arrangements, stay informed on FDCPA/RESPA/FCRA regulations, and help identify home retention options.

The role emphasizes strong communication, multitasking, and attention to detail, with a preference for bilingual Spanish speakers. Join a mission-driven organization improving Idaho communities.

Qualifications

• High school diploma or equivalent required.
• 1+ years of experience in a call center, mortgage collections, or a related role.
• 1+ years of collections or loan servicing experience preferred.
• Ability to handle multiple tasks with high attention to detail and analytical skills to maximize results.
• Strong verbal communication, organizational, and analytical skills.
• Bilingual in Spanish preferred.

Responsibilities

• Engage with borrowers through phone calls, providing personalized support and guidance to prevent mortgage delinquency.
• Negotiate payment arrangements and follow up on returned payments to keep borrowers on track.
• Stay up-to-date on industry regulations, including FDCPA, RESPA, and FCRA.
• Identify borrowers for home retention programs and schedule property inspections to assess condition.
• Resolve delinquency through collection efforts and borrower assistance programs.
• Other job duties as assigned.

Skills

Customer service

Phone communication

Analytical skills

Multitasking

Verbal communication

Education

High school diploma or equivalent

Job description

Idaho Housing and Finance Association is seeking an Early Stage Loan Counselor to provide customer-focused support to borrowers past due on home loans. You will assist with payment arrangements, stay informed on FDCPA/RESPA/FCRA regulations, and help identify home retention options.

The role emphasizes strong communication, multitasking, and attention to detail, with a preference for bilingual Spanish speakers. Join a mission-driven organization improving Idaho communities.