Mortgage Loan Collector

Idaho Housing and Finance Association; Boise (ID); On-site; USD 26,000 - 32,000; Full time

Job summary

Idaho Housing and Finance Association seeks Mortgage Loan Collectors to join our Loan Servicing team in Boise. You will collect payments, respond to borrower inquiries, and resolve delinquent accounts while negotiating payment arrangements and maintaining service quality.

Opportunities exist at Early Stage, Mid-Stage, or Late-Stage levels depending on experience. Primary duties include outbound/inbound calls, compliance with FDCPA/RESPA/FCRA, and collaboration with teams to prevent delinquencies.

Qualifications

• Excellent verbal communication and interpersonal skills.
• Experience in a call center environment preferred.
• Bilingual in Spanish and English preferred.

Responsibilities

• Initiate outbound calls and receive inbound calls from borrowers, negotiating payment arrangements to avoid mortgage delinquency.
• Develop and implement customized payment plans to delinquency and prevent accounts from progressing to the next stage.
• Review borrowers for Home Retention Programs based on loan type, ensuring proper matching of support and resources.
• Ensure compliance with regulatory requirements, including FDCPA, RESPA, and FCRA, while issuing demand letters and managing timelines.
• Monitor portfolio performance, aim to reduce roll rates, and meet department goals.
• Other duties as assigned.

Skills

Verbal communication

Interpersonal skills

Team collaboration

Problem-solving

Time management

Education

High school diploma or equivalent

Job description

We are seeking a dedicated and detail-oriented Mortgage Loan Collectors to join our Loan Servicing team. We have opportunities to join our team as an Early Stage, Mid-Stage, or Late-Stage Loan Counselor, depending on experience. In any of these positions, you will be responsible for collecting payments from borrowers, responding to customer inquiries, and resolving delinquent accounts. You will use your excellent communication and interpersonal skills to negotiate payment arrangements and provide exceptional service.

We are seeking a dedicated and detail-oriented Mortgage Loan Collectors to join our Loan Servicing team. We have opportunities to join our team as an Early Stage, Mid-Stage, or Late-Stage Loan Counselor, depending on experience. In any of these positions, you will be responsible for collecting payments from borrowers, responding to customer inquiries, and resolving delinquent accounts. You will use your excellent communication and interpersonal skills to negotiate payment arrangements and provide exceptional service.

Responsibilities

• Initiate outbound calls and receive inbound phone calls from borrowers, negotiating payment arrangements to avoid mortgage delinquency and maintain a high standard of quality during every call
• Develop and implement customized payment plans to delinquency and prevent accounts from progressing to the next stage
• Review borrowers for Home Retention Programs based on loan type, ensuring that they are matched with the most appropriate support and resources
• 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 on Idahoans.

Requirements

• Strong verbal communication and interpersonal skills
• Experience in a call center environment preferred
• Bilingual in Spanish and English preferred
• Ability to work independently and as part of a team
• Experience in loan servicing, collection, or a related field preferred
• Excellent problem-solving and analytical skills
• Strong organizational and time management skills
• High school diploma or equivalent required

Salary Description

$19.25 - $23.00