Mortgage Default Counselor - Field Inspections (Hybrid)

Rhode Island Housing; Northern (KY); Hybrid; USD 55,000 - 69,000; Full time

Benefits offered by this job

Parking stipend

Paid time off

Retirement options

Flexible hours

Education reimbursement

Onsite fitness

Job summary

RIHousing in Providence, Rhode Island is seeking a Default Counselor-Inspect to join our Loan Servicing Department. This full-time role involves fieldwork, borrower outreach on mortgage delinquency, property condition, and helping prevent foreclosure through counseling and direct engagement.

You will represent RIHousing at legal and municipal proceedings, coordinate with vendors and borrowers, and conduct property inspections and accurate documentation to support timely loan resolution.

Qualifications

• Three years’ experience in mortgage collections and counseling.
• Knowledge of GNMA, FNMA, FHLMC, and FHA/VA insured loans, including foreclosure and eviction processes.
• Strong negotiations, communications, and organizational skills.
• Ability to work independently and manage time effectively.
• Associate's degree in business administration or related field.
• Bilingual ability, particularly Spanish or Portuguese.

Responsibilities

• Administering the collections process in compliance with internal policies, regulatory guidelines, and investor requirements, including delinquency reporting.
• Contacting delinquent borrowers through property visits to determine the reason for default, providing face-to-face counseling, and performing property condition assessments for referral to the Default Supervisor.
• Conducting monthly property inspections on delinquent loans to determine occupancy, as well as inspections on 203K rehabilitation loans and insurance escrow holdbacks; completing detailed inspection reports.
• Attending foreclosure sales and eviction hearings as the RIHousing representative.
• Coordinating with vendors, municipal employees, utility companies, and borrowers to provide access to properties secured by RIHousing.
• Recording time-sensitive documents at municipalities throughout the state.
• Maintaining accurate documentation and monitoring the status of assigned loans.
• Participating in cross-training for other servicing functions and supporting special projects as assigned.

Skills

Negotiation skills

Communication skills

Organizational skills

Interpersonal presence

Time management

Education

Associate's degree in business administration

Job description

RIHousing in Providence, Rhode Island is seeking a Default Counselor-Inspect to join our Loan Servicing Department. This full-time role involves fieldwork, borrower outreach on mortgage delinquency, property condition, and helping prevent foreclosure through counseling and direct engagement.

You will represent RIHousing at legal and municipal proceedings, coordinate with vendors and borrowers, and conduct property inspections and accurate documentation to support timely loan resolution.