Debt Mortgage Counselor II

Description:

The Debt Counselor II works to contact members who have delinquent real estate and consumer accounts for the purposes of collecting these delinquencies and negotiating payment terms in compliance with departmental standards, policies and procedures in efforts to mitigate losses, provides assistance and guidance to less experienced counselors, to include review of work, guidance of collection techniques and advice on options to pursue collection, and serves as a mentor to less experienced staff. The position’s essential duties include the following: • Initiates appropriate follow‐up activity on delinquent accounts and maintains on‐line chronological records of all facts, information developed and actions taken. • Determines reason for delinquency and establishes an equitable payment arrangement enlisting the cooperation of the member, tracking member’s compliance to revised payment schedule. • Provides financial counseling and assistance to members who are experiencing financial difficulties as needed. Assist borrowers to find solutions to maintain home ownership, including HAMP and proprietary modifications. • Familiar with all aspects of FNMA guidelines for in Delinquency/Default prevention and Management. Ensure necessary information and complete packages are received in a timely manner, maintained, tracked, and logged. • Analyzes information in the member's record, decides what action will be taken and selects a method for effecting that action. • Negotiates to establish mutually agreeable repayment arrangements with delinquent members to include extension agreements/payment modifications. • Recommends appropriate course of action when members refuse to make satisfactory repayment arrangements (i.e. foreclosures, repossession, litigation, charge-off, loss mitigation to included but not limited to payment modification, deferral and/or extension). Ensures appropriate documentation is available for chosen course of action. • Performs skip-tracing by contacting third parties such as relatives of the delinquent member, employers, personnel officers, creditors, or credit bureaus in order to locate, contact and collect from members whose whereabouts are unknown. • Prepares various reports and logs for review.

Skills:

Financial collections, Mortgage collections, Customer service, collection calls

Top Skills Details:

Financial collections,Mortgage collections

Additional Skills & Qualifications:

Mortgage loans collections

Experience Level:

Intermediate Level

About Aston Carter:

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At Aston Carter, we’re dedicated to expanding career opportunities for the skilled professionals who power our business. Our success is driven by the talented, motivated people who join our team across a range of positions – from recruiting, sales and delivery to corporate roles. As part of our team, employees have the opportunity for long-term career success, where hard work is rewarded and the potential for growth is limitless.

Established in 1997, Aston Carter is a leading staffing and consulting firm, providing high-caliber talent and premium services to more than 7,000 companies across North America. Spanning four continents and more than 200 offices, we extend our clients’ capabilities by seeking solvers and delivering solutions to address today’s workforce challenges. For organizations looking for innovative solutions shaped by critical-thinking professionals, visit AstonCarter.com. Aston Carter is a company within Allegis Group, a global leader in talent solutions.

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please call 888-237-6835 or email astoncarteraccommodation@astoncarter.com for other accommodation options. However, if you have questions about this position, please contact the Recruiter located at the bottom of the job posting. The Recruiter is the sole point of contact for questions about this position.