Early Stage Collector I

The Early Stage Collector I (also known as an Early Stage Counselor I) will work directly with our borrowers who have a home loan through our organization and are past due on their payment. You will initiate outbound and receive inbound calls from our clients and provide them with financial education and counseling based on their loan status and available resolution options. The goal is to keep our borrowers in their home so we must utilize any loss mitigation and collection techniques 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.

In this role, you will have the following responsibilities:

Customer Service:

• Initiating outbound and receiving inbound phone calls from borrowers.
• Negotiate payment arrangements with Borrowers to avoid mortgage delinquency.
• Follows up with the borrowers on returned payments.
• Maintains a high standard of quality during every call.
• Works to meet the Borrower’s needs and maintain good customer relations while providing education and counseling as necessary.

Loan Administration:

• Early-stage account collections.
• Ability to speak professionally and pass QA compliance telephone audits on a regular basis.
• Has a complete and thorough knowledge of regulatory requirements: FDCPA, RESPA, FCRA, etc.
• Review Borrowers for Home Retention Programs based on loan type.

Delinquency Control:

• Resolve delinquency through collection efforts and borrower assistance programs.
• Educate borrowers on delinquency timelines and collection efforts.
• Consistently maintains a downward trend in delinquency ratios.
• Achieving and maintaining department goals and standards.

Reliability & Engagement:

• Maintains good attendance and punctuality.
• Adheres to work schedules and attendance policies.

Personal Development:

• Participates in training/cross-training and other educational classes that will benefit the Association, and the individual as it relates to the job.
• Is currently and remains a collaborator that consistently aligns oneself with the Association’s mission.
• Shows interest in maintaining clear work life balance.

May perform other additional duties and responsibilities as assigned.

Position qualifications required are the following:

• Strong verbal communication skills
• Strong organizational and critical thinking skills
• Initiative-taking with an understanding sense of urgency
• Ability to manage multiple tasks and deadlines with high attention to detail.
• Strong analytical skills to determine what is needed and where to spend effort throughout the day to maximize individual results.
• One to Three years’ experience in loan servicing or collections, a combination of education and experience in related fields which clearly demonstrates a thorough understanding of the functions listed above.

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.