Job Description

Job Description

Job Description

Description:

Idaho Housing and Finance Association is seeking a Late Stage Counselor I (Collections) to join our Mortgage Loan Servicing department. You will work directly with our borrowers who have serviced a home loan through our organization and are past due on their payment. You will make and receive calls from our clients and provide them with financial education and counseling based on their loan status. The ultimate goal is to keep our borrowers in their home so we must utilize any loss mitigation technique we can to achieve this goal.

Why Work with Us?

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. Our commitment to our team is unwavering, and we consider our employees our greatest priority. We offer competitive compensation packages, comprehensive health benefits, and abundant opportunities for professional development and growth.

It's no wonder we have been recognized as one of the "Best Places to Work" in Idaho for a decade. Join us and be part of a vibrant, entrepreneurial organization that makes a meaningful impact on the lives of Idahoans.

Key Responsibilities:

• Provide accurate direction regarding methods of payment based on loan circumstances
• Effectively and quickly assess loan status and borrower circumstance and provide accurate assistance or referral as appropriate
• Provide HUD Counseling
• Review borrowers for Home Retention Programs based on loan type
• Order property inspections and facilitate property preservation efforts as needed/specified by each of the servicing guides for FHA, FNMA, FHLMC, USDA, and VA
• Resolve delinquency through collection efforts and borrower assistance programs

• Experience with loss mitigation programs and loan counseling preferred
• HUD Counseling Certification obtained within 6 months of employment
• High School Diploma, GED, or equivalent experience required
• Minimum 1-2 years of experience in mortgage servicing and/or collections
• Strong attention to detail
• Must be a team player
• Exceptional organization and time management skills
• Strong phone etiquette and customer service skills
• Ability to exercise prudent judgement
• Bilingual is preferred

Please note that the above description does not cover all job duties. Qualified candidates must be able to perform essential functions with or without accommodations.

We are an Equal Opportunity Employer committed to fostering an inclusive and diverse workplace.

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