Early-Stage Mortgage Collections Representative
About The Position
The Early-Stage Mortgage Collections Representative provides customer service and assistance to borrowers who are past due on home loan payments, helping them address delinquency and continue homeownership. The position supports borrowers through personalized guidance, payment arrangements, follow-up on returned payments, collection efforts, and borrower assistance programs. It also identifies borrowers for home retention programs, schedules property inspections to assess property condition, and requires staying current on relevant industry regulations, including FDCPA, RESPA, and FCRA. 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 required.
- 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 preferred.
- Bilingual in Spanish preferred.
Responsibilities
- Engage with borrowers by phone to provide personalized support and guidance intended 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.
- Schedule property inspections to assess property condition.
- Resolve delinquency through collection efforts and borrower assistance programs.
- Perform other job duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
