Early-Stage Mortgage Collections Representative

Idaho Housing and Finance Association • Boise, ID

3d

About The Position

The Early Stage Loan Counselor provides customer service and assistance to borrowers who are past due on home loan payments. The role helps borrowers achieve financial capacity and continued homeownership by offering personalized guidance and resolving delinquency through collection efforts and borrower assistance programs. The organization describes itself as professional and mission-driven, focused on improving lives and strengthening Idaho communities through housing opportunities, self-sufficiency, and economic development.

Requirements

• High school diploma or equivalent.
• At least 1 year of experience in a call center, mortgage collections, or a related role.
• Ability to handle multiple tasks with high attention to detail.
• Analytical skills to maximize results.
• Strong verbal communication and organizational skills.

Nice To Haves

• At least 1 year of collections or loan servicing experience.
• Bilingual in Spanish.

Responsibilities

• Engage with borrowers by phone and provide personalized support and guidance to prevent mortgage delinquency.
• Negotiate payment arrangements and follow up on returned payments.
• Stay up to date on industry regulations, including FDCPA, RESPA, and FCRA.
• Identify borrowers for home retention programs and schedule property inspections to assess property condition.
• Resolve delinquency through collection efforts and borrower assistance programs.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED