Mortgage Disputes & Compliance Specialist

Idaho Housing and Finance Association; Boise (ID); On-site; USD 55,000 - 75,000; Full time

Job summary

Idaho Housing and Finance Association is hiring a Disputes Specialist to investigate and resolve mortgage servicing issues, ensure regulatory timelines, and maintain precise records. You will draft responses, manage bankruptcy processes, and coordinate with complaint portals to uphold CFPB, RESPA, FDCPA, and FCRA standards.

The role requires strong writing, attention to detail, and the ability to handle sensitive matters while supporting executives and teams across departments.

Qualifications

• Experience in mortgage servicing or bankruptcy administration within a regulated financial environment.
• Strong knowledge of Chapter 7 bankruptcy procedures and regulatory requirements including RESPA, FDCPA, CFPB, FCRA, and UDAAP.
• Excellent written and verbal communication with ability to handle sensitive issues professionally.
• Proficient with OnBase, CTS, MERS and complaint portals.
• Ability to manage multiple tasks in a fast-paced environment with strong organization.
• Education aligned with high school diploma; Bachelor's degree preferred.

Responsibilities

• Investigate and resolve issues related to escrow, taxes, insurance, late charges, payments, and account balances.
• Draft professional response letters and ensure complaints are handled within regulatory timelines.
• Track and manage loan modification documents for bankruptcy borrowers and prepare assignments of mortgage.
• Open, process, and close Chapter 7 bankruptcy files; coordinate referrals and review motions.
• Upload documents, maintain notes, communicate with counsel, and manage MERS and mail.
• Support executives and internal departments on customer resolution matters and maintain records.

Skills

Mortgage servicing experience

Regulatory compliance

Communication skills

Analytical thinking

Documentation management

multitasking

Education

High school diploma or equivalent

Bachelor's degree preferred

Tools

OnBase

CTS

MERS

Job description

WE ARE HIRING!

We are seeking a detail-oriented and compliant individual to join our team as a Disputes Specialist! You will play a crucial role in observing resolution functions, managing administrative tasks, and ensuring compliance with regulatory standards.

Job Type

Full-time

Description

WE ARE HIRING!

We are seeking a detail-oriented and compliant individual to join our team as a Disputes Specialist! You will play a crucial role in observing resolution functions, managing administrative tasks, and ensuring compliance with regulatory standards.

In This Role, You Will

• Investigate and resolve issues related to escrow, taxes, insurance, late charges, payments, credit disputes, fees, collection efforts, property preservation, loss mitigation, and account balances.
• Draft professional response letters and ensure all complaints are handled within regulatory timelines, including updates to CFPB, BBB, and other complaint portals.
• Track and manage loan modification documents for bankruptcy borrowers and prepare Assignments of Mortgage.
• Open, process, and close Chapter 7 bankruptcy files; send packets, coordinate referrals, and review motions.
• Upload documents, maintain notes, communicate with counsel, track loan modifications, prepare assignments, manage MERS, and process mail.
• Provide support to executives and internal departments on customer resolution matters and maintain accurate records of resolution efforts.
• Assist with overflow collections and loss mitigation calls during critical periods, ensuring compliance with RESPA, FDCPA, CFPB, UDAAP, and FCRA.
• Other job duties as assigned.
  
  

At Idaho Housing and Finance Association, 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

• Prior experience in mortgage servicing, bankruptcy administration, or customer service within a regulated financial environment.
• Strong understanding of Chapter 7 bankruptcy procedures, legal documentation, and regulatory requirements including RESPA, FDCPA, CFPB, FCRA, and UDAAP.
• Proficiency with systems such as OnBase, CTS, MERS, and complaint portals.
• Excellent verbal and written communication skills, with the ability to handle sensitive customer issues professionally and discreetly.
• Proven ability to manage multiple tasks in a fast-paced environment and maintain strong organizational and problem-solving skills.
• High school diploma or equivalent required; Bachelor’s degree preferred.