Mortgage Collector

Northwest; Columbus (OH); Hybrid; USD 42,000 - 64,000; Full time

Job summary

Northwest is seeking a Mortgage Collector to manage past-due retail mortgage accounts across Columbus, OH and select PA offices. You will develop repayment plans, analyze delinquency, and coordinate with branches to minimize losses.

Responsibilities include reviewing documentation, negotiating payment agreements, and ensuring compliance with fair collections practices. A High School Diploma and 3–5 years of customer service experience are preferred.

Qualifications

• High school diploma or equivalent required.
• 3–5 years customer service/administrative experience preferred.
• Demonstrated problem-solving, communication, and financial-analysis skills.
• Knowledge of fair collections practices preferred.

Responsibilities

• Develop use of collections software and systems.
• Identify and resolve branch office collection issues.
• Recommend accounts for foreclosure, short sale, or deed in lieu, and charge-offs.
• Prepare loan modification or repayment plans and analyze reports.
• Coordinate collection efforts with offices and managers.
• Review documentation for data integrity and compliance.
• Negotiate payment agreements and monitor progress.
• Inform borrower of alternatives to foreclosure and loss mitigation steps.

Skills

Customer service

Communication

Problem solving

Financial analysis

Teamwork

Education

High School Diploma or GED

Job description

## Mortgage CollectorApply: Columbus, OH: Williamsport, PA: Titusville, PA: Warren, PA: Mount Joy, PA: Full time: Posted Yesterday: R-102438OH0523 Independence Bus Office, OH0713 NW Bancshares HQ, PA0103 Titusville, PA0186 Mount Joy, PA0220 Erie - 8th & State, PA0258 Bellevue, PA0445 Williamsport, PA0736 Administration Center**Job Description**The Mortgage Collector is responsible for the collection of past due accounts on all retail mortgage loans. The Mortgage Controller is also responsible for controlling delinquency and protecting company assets while also developing customer relations in order to secure payments and advising borrower of alternatives to foreclosure options.**Essential Functions*** Develop use of Signature, collections software, Nautilus system, and phone software systems* Identify and resolving Branch office collection issues* Recommend accounts for foreclosure, short sale, or deed in lie, and charge offs.* Prepare loan modification or repayment plans and analyzing departmental reports* Meet departmental service standards* Coordinate collection efforts with offices* Review documentation for data integrity* Prepare documentation for state credit agencies* Ensure appropriate modifications, extensions, renewals, deferrals, and reages* Analyze delinquent account records* Update records of past due accounts* Attempt to obtain quality right party contact with borrower and co-borrower, and voluntary payment of debt* Obtain property reports, values, and title searches* Review title searches and values and recommending for charge off if needed* Advise on related laws, regulations, policies, and procedures* Negotiate appropriate payment agreements* Monitor payment progress effectively* Maximize methods of skip tracing* Identify and refer accounts requiring legal action* Ensure timely collections efforts* Inform borrower of all alternatives for foreclosure options* Communicate with borrower during loss mitigation process* Review property inspections and recommending for property preservation* Ensure timely breach letters and collection process* Mitigate losses to the Company* Coordinate efforts with commercial collections (Loss Mitigation Department)* Partner with Bankruptcy Specialist, the Bank’s loss mitigation alternative to foreclosure staff, state agency for credit and financial assistance, office managers and branches, vendors and law enforcement agencies, and attorneys and legal entities* Coordinate documentation for alternatives to foreclosure and referral to foreclosure* Make appropriate credit judgment decisions* Pacify non-cooperative customers* Recommend improvements to procedures, fee-generating alternatives, and service / delivery enhancements* Analyze / investigate to resolve questionable payments or charges* Attempt to out-perform delinquency expectations* Minimize departmental non-payroll costs* Manage personal workload / workflowEnsure compliance with Northwest’s policies and procedures, and Federal/State regulations* Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency* Work as part of a team* Work with on-site equipment* Comply with Company policies and procedures, and federal and state regulations**Qualifications*** High School Diploma or equivalent preferred* 3 - 5 years customer service / administrative experience preferred* demonstrated skills in problem solving, communication, financial analysis, working knowledge of fair collections practices