Loss Mitigation/Mortgage Loan Collector

Idaho Housing and Finance Association; Boise (ID); On-site; USD 42,000 - 58,000; Full time

Job summary

Idaho Housing and Finance Association seeks a motivated Late Stage Counselor I to assist borrowers past due on their mortgage payments and identify resolution options for home retention. Responsibilities include outbound/inbound calling, negotiating payment arrangements, and developing customized plans to prevent foreclosure, while complying with FDCPA, RESPA, and FCRA.

Requires 1–3 years in loan servicing or related field and a high school diploma.

Qualifications

• 1–3 years of experience in loan servicing, collections, or related field.
• Strong verbal communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Excellent problem-solving and analytical skills.

Responsibilities

• Initiate outbound calls and receive inbound phone calls from borrowers.
• Negotiate payment arrangements to avoid mortgage delinquency and maintain a high standard of quality on every call.
• Develop and implement customized payment plans to manage debt and prevent foreclosure.
• Review borrowers for Home Retention Programs based on loan type.
• Stay up-to-date on regulatory requirements including FDCPA, RESPA, and FCRA.

Skills

Verbal communication

Interpersonal skills

Organizational skills

Problem solving

Education

High school diploma or equivalent

Job description

Description

We are seeking a motivated and professional Late Stage Counselor I to join our team. This role works directly with borrowers who are past due on their mortgage payments to identify resolution and home retention options. The successful candidate will balance effective collection practices with borrower advocacy by providing clear guidance, education, and loss mitigation solutions in a respectful manner. Strong communication skills, attention to detail, and the ability to thrive in a fast-paced environment are essential.

Why Work With Us?

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. Our commitment to our team is unwavering, and we consider our employees our greatest priority. Join us and be part of a professional and mission-driven organization that makes a meaningful impact on the lives of Idahoans.

In This Role, You Will:

• Initiate outbound calls and receive inbound phone calls from borrowers
• Negotiate payment arrangements to avoid mortgage delinquency and maintain a high standard of quality during every call
• Develop and implement customized payment plans to manage debt and prevent foreclosure
• Review borrowers for Home Retention Programs based on loan type, ensuring that they are matched with the most appropriate support and resources
• Stay up-to-date on regulatory requirements, including FDCPA, RESPA, and FCRA, to ensure compliance and provide borrowers with accurate and timely information
• Other job duties as assigned

Requirements

• 1-3 years of experience in loan servicing, collections, or a related field
• Strong verbal communication and interpersonal skills
• Ability to work independently and as part of a team
• Excellent problem-solving and analytical skills
• Strong organizational and time management skills
• High school diploma or equivalent required
• Ability to speak professionally and pass QA compliance telephone audits on a regular basis