Apply on Employer Site

LoanCare · 9 hours ago

Mortgage Collections-Remote

United States

Full-time

Remote

Entry Level

$22/hr - $22/hr

2+ years exp

LoanCare is a leading full-service mortgage loan subservicer seeking a Mortgage Servicing Loan Counselor I to manage delinquent mortgage accounts. The role involves engaging borrowers to resolve past-due payments while ensuring compliance with relevant regulations.

Responsibilities

Contact borrowers via phone, email, and written correspondence to resolve delinquent mortgage accounts

Negotiate payment arrangements, repayment plans, and offer loss mitigation options in accordance with company policies and investor guidelines

Maintain accurate and detailed records of borrower interactions and account status

Monitor and manage assigned portfolio to meet performance goals and minimize losses

Collaborate with internal departments such as Customer Service, Loss Mitigation, and Foreclosure to ensure seamless servicing for the customer

Ensure compliance with federal, state, and investor regulations including FDCPA, TCPA, RESPA, and CFPB guidelines

Identify and escalate high-risk accounts or potential fraud cases

Participate in ongoing training and development to stay current with industry changes and best practices

Ability to work in a fast-paced, structured environment with an emphasis on quality and productivity

Complete other duties and projects as assigned by your supervisor

All other duties as assigned

Qualification

Mortgage servicing experienceCollections experienceBilingual (Spanish/English)Microsoft Office proficiencyMortgage productsNegotiation skillsAttention to detailProblem-solving skillsCommunication skillsTeamwork

Required

High School Diploma or equivalent required

2+ years of experience in the mortgage servicing industry, collections, and/or call center environment

General knowledge of mortgage loan products, servicing systems, and regulatory requirements

Strong work ethic including adherence to daily work schedule

Excellent verbal and written communication skills

Strong negotiation and problem-solving skills

Proficiency in Microsoft Office and mortgage servicing platforms (e.g., MSP, Fiserv, etc.)

Ability to work independently and in a team-oriented environment

Flexible and open to adapting to change as needed

Must be able to work nights and weekends as necessary

Preferred

Associate's or Bachelor's degree in Business Administration, Finance or related field

Bilingual (Spanish/English)

Experience with FHA, VA, and Conventional Loan Servicing

Familiarity with skip tracing tools and techniques

Basic understanding of FDCPA, TCPA, Regulation X, Regulation Z, Regulation V, Regulation E, and SCRA

Benefits

Optional medical, dental, vision, life, and disability insurance

Paid holidays, vacation, and sick leave

Matching 401(k) plan and employee stock purchase plan

Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being

Programs that celebrate achievements and milestones

Enjoy discounts on gym memberships, pet insurance, and employee purchasing programs, plus access to a tuition reimbursement program that supports your continued education and professional growth.