2nd Lien Recovery Consultant (On-Site)

Position Summary

The 2nd Lien Recovery Consultant is responsible for locating and contacting homeowners across the country to collect on charged off unsecured and secured mortgage debt.

Essential Functions, Duties, And Responsibilities

• Negotiate repayments on defaulted mortgage debt.
• Re-establish and maintain communication with customers to minimize company loss.
• Achieve various numeric standards and goals for servicing accounts without sacrificing quality of service while adhering to state and federal (FDCPA/CFPB) guidelines and constantly representing the Company in a professional manner.
• Contact borrowers to cure delinquency, set up payment arrangements.
• Identify and recommend optimal workout strategies, as necessary.
• Utilize all available skip tracing tools to locate our borrowers whose current contact information is inaccurate.
• Ensure all calls and loss mitigation efforts are compliant with company policies and procedures.
• Use manual and dialer strategies to contact delinquent homeowners.
• Address any homeowner question or concern. Handle escalated files appropriately by providing and articulate and complete response.
• Contact homeowners to cure delinquency, this can be a blend of manual and automated calling strategies.

Qualifications And Education Requirements

• High school diploma or equivalent, required.
• 2-4 years’ experience within collections and loss mitigation.

Skills, Abilities, And Knowledge

• Familiarity with tracking databases and the maneuvering around the Internet.
• Familiarity with loan terminology, rights, and processes.
• Excellent work ethic, high productivity, and acute attention to detail.
• Strong numeric aptitude, problem solving and analytical skills.
• Persuasive and professional communication skills.
• Must have a very strong work ethic.

Work Environment And Physical Requirements

• Working on-site at assigned office location.
• Regular and punctual attendance adhering to schedule established by leadership.
• Flexibility to work occasional adjusted work schedules, overtime, and evening and/or weekend hours to meet deadlines or as business needs demand.
• Working in a cubicle hub, maintaining focus on phone calls in a noisy environment within earshot of multiple other conversations.
• Sedentary work in a stationary position at a cubicle for prolonged periods of time.
• Constant repetitive motions required for operating a computer, such as typing and managing phone calls.
• Constantly communicating effectively verbally in English, including accurately exchanging information with others following identification of correct procedures.