Loan Counselor / Late Stage Collections
New
C
Cascade Financial ServicesMortgage/Financial Services
Remote, Chandler, AZ; Remote, Rapid City, SD; Remote, Knoxville, TNFull-TimeMiddle
SalaryStarting at $22/Hour+ and up to $750/month in bonus
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Job Details
- Experience
- 1–3 years
- Required Skills
- Microsoft Office
Requirements
- High school diploma or equivalent required; college coursework preferred
- 1–3 years of mortgage collections or servicing experience, including mobile homes preferred
- Working knowledge of GSE, FHA, VA, and Conventional loan programs
- Strong negotiation, communication, and customer service skills
- Ability to handle sensitive financial conversations with empathy and professionalism
- Proficiency with mortgage servicing systems and 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
- Meet or exceed individual and team performance metrics
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