Mid-Stage Mortgage Collector

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

Job summary

Idaho Housing and Finance Association seeks a Mid-Stage Mortgage Collector in Boise to work directly with borrowers 60–89 days past due. You will educate borrowers, offer counseling, and customize payment solutions while ensuring compliance and ethical advocacy.

Requirements include 6 months in mortgage collections or related fields, 1–3 years preferred, along with strong communication and organizational skills. Join a mission-driven team serving Idaho communities.

Qualifications

• Strong verbal communication and interpersonal skills are required.
• Attention to detail and organizational abilities are essential.
• Ability to manage multiple priorities with urgency and accuracy.

Responsibilities

• Initiate outbound and receive inbound calls from borrowers 60–89 days delinquent, negotiating payment arrangements.
• Develop and implement customized payment plans to resolve delinquency and prevent late-stage progression.
• Review borrowers for Home Retention Programs based on loan type and determine eligibility for available assistance options.
• Ensure compliance with FDCPA, RESPA, and FCRA, while issuing demand letters and managing timelines.
• Monitor portfolio performance, reduce roll rates, and meet department goals and standards.
• Other job duties as assigned.

Skills

Verbal communication

Interpersonal skills

Attention to detail

Time management

Education

High school diploma or equivalent

Job description

Description

We are seeking a motivated and professional Mid-Stage Mortgage Collector to join our team. This role works directly with borrowers who are 60–89 days past due on their mortgage payments to identify resolution options and prevent further delinquency. The successful candidate will balance effective collection practices with borrower advocacy by providing education, counseling, and customized payment solutions in a respectful and compliant manner. Strong communication skills, attention to detail, and the ability to manage a portfolio while meeting performance goals are essential.

WE ARE HIRING!

In This Role, You Will:

• Initiate outbound and receive inbound phone calls from borrowers who are 60–89 days delinquent, negotiating payment arrangements and maintaining a high standard of quality during every call
• Develop and implement customized payment plans to resolve delinquency and prevent accounts from progressing to late stageReview borrowers for Home Retention Programs based on loan type and determine eligibility for available assistance options
• Ensure compliance with regulatory requirements, including FDCPA, RESPA, and FCRA, while issuing demand letters and managing required timelines
• Monitor assigned portfolio performance, maintain a downward trend in roll rates, and meet established department goals and standards
• Other job duties as assigned

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. Join us and be part of a professional and mission-driven organization that makes a meaningful impact on the lives of Idahoans.

Requirements

• 6 months of experience as an Early Stage Counselor, Mortgage Collections, or equivalent experience required
• 1–3 years of experience in collections, loan servicing, or a related field preferred
• Strong verbal communication and interpersonal skills
• Excellent organizational, analytical, and problem-solving abilities
• Ability to manage multiple priorities with a strong sense of urgency and attention to detail
• High school diploma or equivalent required