Mortgage Collector

OH0523 Independence Bus Office, OH0713 NW Bancshares HQ, PA0103 Titusville, PA0186 Mount Joy, PA0220 Erie - 8th & State, PA0258 Bellevue, PA0445 Williamsport, PA0736 Administration Center Job Description The Mortgage Collector is responsible for the collection of past due accounts on all retail mortgage loans. The Mortgage Controller is also responsible for controlling delinquency and protecting company assets while also developing customer relations in order to secure payments and advising borrower of alternatives to foreclosure options. Essential Functions Develop use of Signature, collections software, Nautilus system, and phone software systemsIdentify and resolving Branch office collection issuesRecommend accounts for foreclosure, short sale, or deed in lie, and charge offs.Prepare loan modification or repayment plans and analyzing departmental reportsMeet departmental service standardsCoordinate collection efforts with officesReview documentation for data integrityPrepare documentation for state credit agenciesEnsure appropriate modifications, extensions, renewals, deferrals, and reagesAnalyze delinquent account recordsUpdate records of past due accountsAttempt to obtain quality right party contact with borrower and co-borrower, and voluntary payment of debtObtain property reports, values, and title searchesReview title searches and values and recommending for charge off if neededAdvise on related laws, regulations, policies, and proceduresNegotiate appropriate payment agreementsMonitor payment progress effectivelyMaximize methods of skip tracingIdentify and refer accounts requiring legal actionEnsure timely collections effortsInform borrower of all alternatives for foreclosure optionsCommunicate with borrower during loss mitigation processReview property inspections and recommending for property preservationEnsure timely breach letters and collection processMitigate losses to the CompanyCoordinate efforts with commercial collections (Loss Mitigation Department)Partner with Bankruptcy Specialist, the Bank’s loss mitigation alternative to foreclosure staff, state agency for credit and financial assistance, office managers and branches, vendors and law enforcement agencies, and attorneys and legal entitiesCoordinate documentation for alternatives to foreclosure and referral to foreclosureMake appropriate credit judgment decisionsPacify non-cooperative customersRecommend improvements to procedures, fee-generating alternatives, and service / delivery enhancementsAnalyze / investigate to resolve questionable payments or chargesAttempt to out-perform delinquency expectationsMinimize departmental non-payroll costsManage personal workload / workflowEnsure compliance with Northwest’s policies and procedures, and Federal/State regulationsNavigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiencyWork as part of a teamWork with on-site equipmentComply with Company policies and procedures, and federal and state regulations Qualifications High School Diploma or equivalent preferred3 - 5 years customer service / administrative experience preferreddemonstrated skills in problem solving, communication, financial analysis, working knowledge of fair collections practices Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.