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Senior Loan Counselor II
2 months ago
The Idaho Housing and Finance Association is on the lookout for a Collections Representative to enhance our Mortgage Loan Servicing team. In this role, you will engage directly with borrowers who have fallen behind on their home loan payments. Your responsibilities will include making and receiving calls to provide essential financial education and counseling tailored to each borrower's loan situation. Our primary objective is to assist borrowers in retaining their homes, utilizing various loss mitigation strategies to achieve this aim.
Why Join Our Team?
We are committed to making a positive difference in the lives of individuals and communities across Idaho. Our core values center around housing accessibility, self-sufficiency, and economic growth. We prioritize our employees and offer competitive salary packages, comprehensive health benefits, and numerous opportunities for professional advancement.
Recognized as one of the "Best Places to Work" in Idaho for over a decade, we invite you to become part of a dynamic organization that significantly impacts the lives of Idaho residents.
Key Responsibilities:
- Offer precise guidance on payment methods based on individual loan circumstances.
- Quickly evaluate loan statuses and borrower situations to provide appropriate assistance or referrals.
- Deliver HUD Counseling services.
- Assess borrowers for Home Retention Programs according to loan types.
- Coordinate property inspections and manage property preservation efforts as dictated by servicing guidelines for FHA, FNMA, FHLMC, USDA, and VA.
- Address delinquency through collection initiatives and borrower support programs.
Position Qualifications:
- Preferred experience with loss mitigation programs and loan counseling.
- HUD Counseling Certification must be obtained within six months of employment.
- A High School Diploma, GED, or equivalent experience is required.
- 1-2 years of experience in mortgage servicing and/or collections is necessary.
- Strong attention to detail is essential.
- Team collaboration is crucial.
- Exceptional organizational and time management skills are required.
- Strong phone etiquette and customer service capabilities are a must.
- Ability to exercise sound judgment is important.
- Bilingual candidates are encouraged to apply.
Please be aware that the responsibilities outlined above are not exhaustive. Qualified candidates should be capable of performing essential functions with or without accommodations.
We are an Equal Opportunity Employer dedicated to promoting an inclusive and diverse workplace.