Mortgage Collections Specialist

OBJECTIVE

Work with Clearview members who have financial difficulty repaying their real estate loans while working with Clearview’s first mortgage loan servicer and also Clearview’s in-house Real Estate Department to help minimize Clearview’s financial losses. Communicate with members to determine their financial situation, identify their ability to repay their mortgage, and provide information about options for avoiding foreclosure. Perform all duties within the guidelines of Clearview’s policies and procedures.

WORKING HOURS:

8:30am – 5:00pm Mon – Fri

Based on operational needs; flexibility available

MINIMUM QUALIFICATIONS

High school diploma or equivalent required
2 years of similar or transferrable experience required
Strong knowledge of real estate collection practices and regulations required
Must possess the specialized skills needed to effectively collect and control delinquency.
Exceptional problem-solving skills and strong desire to provide effective solutions
Ability to read and interpret credit bureau reports
Ability to navigate multiple computer programs simultaneously
Ability to negotiate and overcome objections
Responds positively and productively to stressful internal and external customer situations.
Proficient in computer skills including Word, Windows and Excel
Excellent organization and communication skills
Ability to work independently and accurately with detailed information

ESSENTIAL DUTIES AND RESPONSIBILITIES

Responsible for monitoring and maintaining real estate accounts and queues
Perform all collection efforts such as telephone contact, email contact and written correspondence and maintain detailed notes in Temenos
Maintain an active and continuing dialogue with members on all matters related to their past due accounts
Will be required to support other queues to facilitate teamwork in the department by answering inbound calls and making outbound calls to resolve delinquencies
Must be knowledgably of the legal aspects of collection and possess a working knowledge of bankruptcy
Assist co-workers and other departments when necessary
Suspend or terminate services in accordance with credit union policies
Responsible for recommending accounts to charge off after exhausting all collection efforts
Working knowledge in locating delinquent members. Utilize tools such as credit reports, internet, and image system in analyzing/researching information
Process electronic loan payments by initiating ACH transactions from outside accounts or debit cards
Remain aware of and adheres to Clearview FCU policies and procedures, and regulations pertaining to the Bank Secrecy Act (BSA) and Fair Credit Reporting
Assist Member Resolutions to surpass the Board of Directors’ annual critical measures
Attending training sessions, webinars, and seminars when required
Accept and expect regular change
Ability to work occasional evenings and weekend shifts
Perform other duties as assigned by management
Always project the following relationship service core values to Clearview’s members, co-workers, and vendors: Friendly, Adaptable, Caring, Trustworthy, and Secure

Support Clearview’s Commitment to Diversity, Equity & Inclusion by welcoming and embracing the unique differences of others, treating others fairly and equitably, and creating an inclusive experience where others feel respected and valued; Understand and believe a diverse workplace is essential to the company’s vision and success

Clearview values diversity in its workforce.  We are proud to be an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.