Senior Retail Loan Collector

Are you a strategic problem-solver who thrives in high-stakes financial environments? Do you combine analytical thinking with strong negotiation skills and a customer-focused mindset? If so, we're looking for a Senior Mortgage Loan Collector to play a key role in protecting asset performance while helping borrowers navigate challenging financial situations.

In this role, you'll proactively reach out to customers who are at risk of missing payments to help them arrange their loan or delinquent tax payments. You'll manage and work to resolve cases involving long-term delinquent or distressed loans, as well as negotiate high-risk accounts that are over 90 days past due - all while following established timelines and meeting regulatory and investor requirements.

You'll collaborate closely with the servicing team to resolve service-related questions and ensure consistent, compliant, and effective account management.

This position requires a professional who can balance risk management, regulatory compliance, and customer communication - while delivering results.

Position Expectations

• Review daily delinquency reports and contact customers regarding payments
• Follow up on missed payment arrangements and other borrower commitments directly with the customer and document the communication.
• Analyze the extent of the potential loss created by the troubled loan, identify the problems and provide meaningful input into the plan for resolving the problems.
• Create and track standard repayment agreements while maintaining focus on directed calling campaigns and skip tracing events.
• Contact customers to pursue workout or other default resolution options.
• Identify resolutions such as forbearance agreements, loan modifications, loan deferrals, short sales, deeds in lieu of foreclosure and legal settlements.
• Pursue default resolution options on loans that are in a delinquent or Loss Mitigation status.
• Make recommendations to management for approval or denial of loan resolution strategies as necessary.
• Work directly with customers to set up/resolve issues with on-line or auto withdraw payments
• Monitor and track delinquent loans for all investors and report on regular schedule/when needed.
• Work with CRM support group to create and maintain servicing/collections reporting needed to effectively manage processes and reduce risk
• Monitor that all collection policies/procedures are being created, updated and followed.
• Onboard new servicing and collection vendors as needed
• Track, manage and assist in selling REO

Required Education and Experience

• Bachelor's Degree or equivalent experience.
• A minimum of 2 years' experience in collections.

Preferred Education and Experience

• Experience with GSE and Investor related mortgage collection and loss mitigation practices.
• Comprehensive knowledge of resolution strategy and the ability to identify cash flow potential reduce risk and control delinquency.
• Experience with skip-tracing and charged-off debt collection.
• Experience in loan servicing in a bank environment.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.