Loan Counselor - Late Stage Collections
New
C
Cascade Financial ServicesFinancial Services
Remote, Chandler, AZ; Remote, Rapid City, SDFull-TimeMiddle
SalaryAt least 22 USD per hour
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Job Details
- Experience
- 1–3 years
- Required Skills
- Microsoft Office
Requirements
- High school diploma or equivalent
- College coursework preferred
- 1–3 years of mortgage collections or servicing experience
- Experience with mobile homes preferred
- Working knowledge of GSE loan programs
- Working knowledge of FHA loan programs
- Working knowledge of VA loan programs
- Working knowledge of Conventional loan programs
- Strong negotiation skills
- Strong communication skills
- Strong customer service skills
- Proficient with mortgage servicing systems
- Proficient with Microsoft Office
Responsibilities
- Manage a portfolio of mobile home mortgage loans across all stages of delinquency
- Perform outbound and inbound borrower contact to resolve delinquent accounts
- Analyze borrower financial situations and provide counseling on available options
- Negotiate repayment plans and resolve delinquencies through full reinstatement
- Evaluate eligibility for loss mitigation options, including forbearance, repayment plans, and loan modifications
- Initiate and track loss mitigation workflows in compliance with investor guidelines
- Maintain accurate and detailed servicing notes in the loan servicing system
- Ensure compliance with FDCPA, CFPB, RESPA, and investor requirements
- Collaborate with internal departments such as Loss Mitigation, Customer Service, Bankruptcy, and Foreclosure as needed
- Meet or exceed individual and team performance metrics
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