Collection Specialist II - Mortgage

The responsibilities of this job include maintaining an effective collections effort on an assigned group of mortgage loans resulting in fewer delinquent loans, minimizing losses following investor guidelines and departmental procedures. This position may be a front end or back end mortgage loan collector depending on business needs.

• Perform collection activities on simple to moderately complex mortgage loans with moderate supervision.
• Conduct inbound or outbound collection calls utilizing a predictive dialer, preview or other technology, and accurately documenting collection efforts on the system of record.
• Negotiate payment terms for delinquent accounts and accurately documenting transactions on the loans following departmental procedures.
• Assist with difficult collection problems such as payment disputes, alternative payment arrangements and loss mitigation options.
• Identify problematic accounts/loans, escalate concerns to management and contribute to determining appropriate actions.
• Conduct skip tracing and work other specialty queues as assigned.
• Associates are expected to perform all additional duties as assigned.

• High School Diploma or GED
• 2 years of collections experience
• OR
• 2 years of customer service experience in a financial institution.
• Knowledgeable and understands collection industry standards of practice including a working knowledge of privacy and fair debt collection regulations, bankruptcy, foreclosure and other consumer credit laws affecting collection of debt
• General knowledge of the lending process from point of application to note documentation
• Familiarity with credit bureau information and other sources of consumer reporting
• Strong communication and interpersonal skills
• Effective organizational and analytical skills
• Sound judgment and decision-making skills
• Strong negotiating and collaboration skills
• Strong PC skills
• Associate degree preferred

Physical Requirements & Working Conditions:  Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer: Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

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