Mortgage Collections Pro - Debt Recovery & Negotiation

Citadel Credit Union; Exton (PA); On-site; USD 42,000 - 62,000; Full time

Job summary

Citadel Credit Union is seeking a Mortgage Collections Specialist to contact delinquent members, analyze their financial information, and negotiate arrangements to cure delinquencies and restore accounts to good standing.

The role emphasizes effective telephone communication, thorough documentation, and adherence to Citadel's collection policies, with a focus on reducing loss and maintaining member relations.

Qualifications

• 6 months or more of collection and/or banking experience.
• Mortgage collections experience is preferred.
• Effective oral and written communication skills.
• Maintain confidentiality and integrity; support corporate mission.
• Bilingual Spanish/English is a plus.

Responsibilities

• Contact delinquent members to prompt and assist them in making arrangements to bring all Citadel accounts current.
• Gather and analyze financial information (income, expenses, Credit Bureau Reports) to propose and implement solutions for delinquent loans.
• Analyze member data to assist management in decisions regarding recovered assets (vehicles and real estate).
• Make decisions regarding enforcement of Citadel's offset policies for delinquent loans.
• Use collection techniques and financial analysis to mitigate risk while preserving member retention.
• Document activities on delinquent accounts with accuracy and expediency.
• Maintain current member information across all platforms (Collection software, Episys).
• Counsel members in debt management and resolve disputes professionally.
• Handle member disputes, complaints and inquiries; perform administrative tasks.

Skills

Collection negotiations

Oral & written communication

Conflict resolution

Bilingual Spanish/English

Professional demeanor

Education

High School Education

Tools

Collection software

Episys

Job description

Citadel Credit Union is seeking a Mortgage Collections Specialist to contact delinquent members, analyze their financial information, and negotiate arrangements to cure delinquencies and restore accounts to good standing.

The role emphasizes effective telephone communication, thorough documentation, and adherence to Citadel's collection policies, with a focus on reducing loss and maintaining member relations.