Collection Counselor l
Work and train from home
General Description: Point of contact for delinquent accounts for collections activities.
Responsibilities - Include, but are not limited to:
Answer high volume of inbound calls from and/or generate high volume of outbound calls to delinquent borrowers
Resolve delinquent accounts by demanding and collecting the full amount due, establish a solid plan with the borrower to bring the loan current, or proceed with hardship assistance as appropriate
Counsel borrowers on options for meeting their payment obligations, explain terms, and arrange repayment plans based on department procedures
Discuss financial status, review monthly income and expenses, and determine reason for non-payment
Offer Loss Mitigation assistance, when appropriate, explain options and processes in detail
Demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA)
Follow all company and department policies and procedures.
Utilize proper protocol, for borrowers, clients, state and federal regulations, as well as best practices
Maintain and document mortgage collection systems and databases with all activities and communications
Process mortgage loan payments in accordance with established guidelines
Consistently monthly goals
Reconcile accounts with misapplied payments.
Successfully complete annual regulatory compliance training.
Additional duties as assigned.
High School diploma or equivalent
Solid PC skills: Microsoft applications and loan servicing platforms
Analytical and problem-solving skills and attention to detail
Communication skills with demonstrated ability to interact in a positive and professional manner at all times with all levels of both internal and external audiences
Ability to negotiate with others and demonstrate assertiveness and empathy when necessary to obtain favorable resolutions
Ability to understand and explain financial matters, details of modifications, and foreclosures in terms affected audiences understand
Knowledge of loan servicing software/systems
*Collection experience*Call center experience
Bilingual in Spanish
Job Types: Full-time
Job Type: Full-time
Pay: $18.00 - $19.00 per hour
Supplemental pay types:
Work Location: Remote
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