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Job description
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 systems
Identify and resolving Branch office collection issues
Recommend accounts for foreclosure, short sale, or deed in lie, and charge offs.
Prepare loan modification or repayment plans and analyzing departmental reports
Meet departmental service standards
Coordinate collection efforts with offices
Review documentation for data integrity
Prepare documentation for state credit agencies
Ensure appropriate modifications, extensions, renewals, deferrals, and reages
Analyze delinquent account records
Update records of past due accounts
Attempt to obtain quality right party contact with borrower and co-borrower, and voluntary payment of debt
Obtain property reports, values, and title searches
Review title searches and values and recommending for charge off if needed
Advise on related laws, regulations, policies, and procedures
Negotiate appropriate payment agreements
Monitor payment progress effectively
Maximize methods of skip tracing
Identify and refer accounts requiring legal action
Ensure timely collections efforts
Inform borrower of all alternatives for foreclosure options
Communicate with borrower during loss mitigation process
Review property inspections and recommending for property preservation
Ensure timely breach letters and collection process
Mitigate losses to the Company
Coordinate 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 entities
Coordinate documentation for alternatives to foreclosure and referral to foreclosure
Make appropriate credit judgment decisions
Pacify non-cooperative customers
Recommend improvements to procedures, fee-generating alternatives, and service / delivery enhancements
Analyze / investigate to resolve questionable payments or charges
Attempt to out-perform delinquency expectations
Minimize departmental non-payroll costs
Manage personal workload / workflowEnsure compliance with Northwest's policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment
Comply with Company policies and procedures, and federal and state regulations
Qualifications
High School Diploma or equivalent preferred
3 - 5 years customer service / administrative experience preferred
demonstrated 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.
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.