Mortgage Collections-Remote ( Temp to Hire)

LoanCare

87d • $22

About The Position

This is a temporary-to-hire position with the potential to transition into a permanent role. It is a W-2 employment opportunity. The assignment duration is three months (90 days), with the possibility of extension or conversion to a full-time role, contingent upon business requirements. We are seeking a skilled and detail-oriented professionals with 2 + years of collections or call center experience to join our dynamic team. Conversion Bonus offered after transition to LoanCare Full Time employee: $1,000.00. The Mortgage Servicing Loan Counselor I is responsible for managing delinquent mortgage accounts, engaging borrowers to resolve past-due payments, and ensuring compliance with all applicable policies and regulations. This role requires strong communication and listening skills, attention to detail, and a customer-focused approach to collections.

Requirements

• High School Diploma or equivalent required.
• 2+ years of experience in the mortgage servicing industry, collections, and/or call center environment.
• General knowledge of mortgage loan products, servicing systems, and regulatory requirements.
• Strong work ethic including adherence to daily work schedule.
• Excellent verbal and written communication skills.
• Strong negotiation and problem-solving skills.
• Proficiency in Microsoft Office and mortgage servicing platforms (e.g., MSP, Fiserv, etc.).
• Ability to work independently and in a team-oriented environment.
• Flexible and open to adapting to change as needed.
• Must be able to work nights and weekends as necessary.

Nice To Haves

• Associate’s or Bachelor’s degree in Business Administration, Finance or related field.
• Bilingual (Spanish/English).
• Experience with FHA, VA, and Conventional Loan Servicing.
• Familiarity with skip tracing tools and techniques.
• Basic understanding of FDCPA, TCPA, Regulation X, Regulation Z, Regulation V, Regulation E, and SCRA.

Responsibilities

• Contact borrowers via phone, email, and written correspondence to resolve delinquent mortgage accounts.
• Negotiate payment arrangements, repayment plans, and offer loss mitigation options in accordance with company policies and investor guidelines.
• Maintain accurate and detailed records of borrower interactions and account status.
• Monitor and manage assigned portfolio to meet performance goals and minimize losses.
• Collaborate with internal departments such as Customer Service, Loss Mitigation, and Foreclosure to ensure seamless servicing for the customer.
• Ensure compliance with federal, state, and investor regulations including FDCPA, TCPA, RESPA, and CFPB guidelines.
• Identify and escalate high-risk accounts or potential fraud cases.
• Participate in ongoing training and development to stay current with industry changes and best practices.
• Ability to work in a fast-paced, structured environment with an emphasis on quality and productivity.
• Complete other duties and projects as assigned by your supervisor.

Benefits

• Optional medical, dental, vision, life, and disability insurance.
• Paid holidays, vacation, and sick leave.
• Matching 401(k) plan and employee stock purchase plan.
• Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being.
• Programs that celebrate achievements and milestones.
• Discounts on gym memberships, pet insurance, and employee purchasing programs.
• Access to a tuition reimbursement program that supports your continued education and professional growth.

What This Job Offers

• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees