Mid-Stage Mortgage Collector

Idaho Housing and Finance Association; Boise (ID); Sur place; USD 36 000 - 48 000; Plein temps

Résumé du poste

The Idaho Housing and Finance Association in Boise is seeking a Mid-Stage Mortgage Collector to engage with borrowers 60–89 days past due, offering education, counseling, and customized payment solutions. This role balances effective collections with borrower advocacy in a compliant, professional setting.

You will initiate calls, develop payment plans, review program eligibility, and monitor portfolio performance while striving to meet performance goals and maintain quality service.

Qualifications

• 6 months of experience in mortgage collections or equivalent
• 1–3 years of collections or loan servicing experience preferred
• Strong verbal communication and interpersonal skills
• Excellent organizational, analytical, and problem-solving abilities
• Ability to manage multiple priorities with urgency and attention to detail
• High school diploma or equivalent

Responsabilités

• Initiate and receive calls from borrowers 60–89 days delinquent and negotiate payment arrangements
• Develop customized payment plans to resolve delinquency
• Review borrowers for Home Retention Programs and determine eligibility for assistance options
• Ensure compliance with FDCPA, RESPA, and FCRA while issuing demand letters and meeting timelines
• Monitor portfolio performance and meet department goals and standards
• Other duties as assigned

Connaissances

Verbal communication

Interpersonal skills

Organization

Analytical skills

Problem solving

Time management

Formation

High school diploma

Description du poste

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