Collector

About the role

This position will comply with bank and investor guidelines in the collection of delinquent portfolio and investor consumer real estate loans.

Responsibilities

• Work and maintain past due portfolio consumer real estate loans assigned queue within collections module to reduce mortgage delinquency, apply funds to delinquent accounts, and determine need for appropriate assistance based on communications by telephone, written, or on an isolated occasion in person.
• Collect past due portfolio consumer real estate loans by telephone, or on an isolated occasion in person.
• Collect past due secondary market and guarantor mortgages (e.g., Federal Housing Administration (FHA), State of New York Mortgage Agency (SONYMA), Federal National Mortgage Association (FNMA), Mortgage Partnership Finance Program (MPF), Mortgage Asset Program (MAP), Federal Home Loan Mortgage Corporation (FHLMC), United States Department of Agriculture (USDA), Department of Veteran's Affairs (VA)) by telephone and written communication according to each appropriate investor's guidelines. May meet directly with past due borrower at times.
• Handle inbound and outbound collection calls professionally and efficiently.
• Prepare and mail notifications to delinquent borrowers per investor, guarantor, state, insurer, or bank guidelines.
• Utilize collections module to document all collection efforts maintaining accurate records.
• Comply with applicable regulations including the Fair Debt Collections Practices Act, Real Estate Settlement Procedures Act, Service member Civil Relief Act, Dodd-Frank Act (UDAAP) as they relate to consumer real estate loan collections.
• Comply with federal bankruptcy laws and regulations to ensure accounts are handled according to plan.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all training requirements in a timely manner.
• Perform other related duties as assigned or directed.
• As an integral member of the Consumer Real Estate Servicing Department, assist the department and the Company in achieving their goals.

Requirements

• High School Diploma or GED required.
• All applicants must be 18 years of age or older.

Skills

• Keyboarding and PC proficiency including Windows.
• Excellent interpersonal and communication skills.
• Working knowledge of bank policies and procedures.
• Familiarity with collection, foreclosure and bankruptcy laws; fair debt collection practices and servicing requirements of various secondary market investors and government agencies.
• Must be able to consistently demonstrate company core values: integrity.

Benefits

We offer competitive compensation, great benefits, and professional development and advancement opportunities to ensure our people can enjoy long and successful careers.