We are seeking a customer-focused individual to join our team as an Early Stage Loan Counselor! 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.

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:

• Initiate outbound and receive inbound borrower phone calls
• Negotiate payment arrangements with borrowers to prevent mortgage delinquency
• Follow up with borrowers on returned payments
• Meet the borrowers' needs while providing education and counseling as necessary
• Administer early stage account collections
• Ensure compliance with the Fair Debt Collection Practices Act (FDCPA)
• Speak professionally and pass QA compliance telephone audits regularly
• Possess a thorough knowledge of regulatory requirements such as FDCPA, RESPA, and FCRA
• Review borrowers for home retention programs based on loan type
• Schedule property inspections and assess property condition
• Resolve delinquency through collection efforts and borrower assistance programs
• Raise borrower awareness of the advantages of early retention options in delinquency

• Strong verbal communication skills
• Excellent organizational and critical thinking skills
• Self-motivated with a sense of urgency
• Ability to handle multiple tasks and meet deadlines with high attention to detail
• Strong analytical skills to prioritize efforts and maximize individual results
• 1 to 3 years of experience in residential real estate lending, loan processing, loan closing, collections or loan servicing (or a combination of education and experience in related fields)