Bilingual Early-Stage Mortgage Collections Representative (Spanish) at Idaho Housing and Finance Association – Boise, Idaho

WE ARE HIRING!

We are seeking a customer-focused individual to join our team as a Bi-lingual Early Stage Loan Counselor (Spanish)! You will play a crucial role in providing exceptional customer service and assistance to borrowers who are past due on their home loan payments, helping them achieve financial capacity and continued homeownership.

At our organization, we are dedicated to improving lives and strengthening Idaho communities. We believe that housing opportunities, self-sufficiency, and economic development are the pillars of progress. Join us and be part of a professional and mission-driven organization that makes a meaningful impact on the lives of Idahoans.

In This Role, You Will:

• Engage with borrowers through phone calls, providing personalized support and guidance to prevent mortgage delinquency
• Negotiate payment arrangements and follow up on returned payments to keep borrowers on track
• Educate and counsel borrowers on financial options and resources
• Administer early stage account collections and ensure compliance with regulatory requirements
• Stay up-to-date on industry regulations, including FDCPA, RESPA, and FCRA
• Identify borrowers for home retention programs and schedule property inspections to assess condition
• Resolve delinquency through collection efforts and borrower assistance programs
• Work in a team environment to meet and exceed performance metrics
• Other duties as assigned

• Bilingual preferred (Spanish/English)
• Strong verbal communication skills and the ability to build trust with borrowers over the phone
• Excellent organizational and critical thinking skills to prioritize tasks and meet deadlines in a fast-paced call center environment
• Self-motivated with a sense of urgency and a passion for helping others
• Ability to handle multiple tasks with high attention to detail and analytical skills to maximize results
• 1 to 3 years of experience in mortgage collections, loan processing, loan closing, or loan servicing (or a combination of education and experience in related fields)
• Comfortable working in a call center environment with both inbound and outbound calls
• Knowledge of mortgage industry regulations and compliance