Loan Counselor/Late Stage Collections

Cascade Loans is a trusted lender in Attainable Housing, dedicated to helping families achieve home ownership. The Loan Counselor is responsible for managing mobile home mortgage accounts from early-stage delinquency through resolution, focusing on borrower outreach, payment collection, and compliance with various loan guidelines.

Responsibilities

• Manage a portfolio of mobile home mortgage loans across all stages of delinquency
• Perform outbound and inbound borrower contact to resolve delinquent accounts
• Analyze borrower financial situations and provide counseling on available options
• Negotiate repayment plans and resolve delinquencies through full reinstatement
• Evaluate eligibility for loss mitigation options, including forbearance, repayment plans, and loan modifications
• Initiate and track loss mitigation workflows in compliance with investor guidelines
• Maintain accurate and detailed servicing notes in the loan servicing system
• Ensure compliance with FDCPA, CFPB, RESPA, and investor requirements
• Collaborate with internal departments such as Loss Mitigation, Customer Service, Bankruptcy, and Foreclosure as needed
• Meet or exceed individual and team performance metrics

Skills

• High school diploma or equivalent required; college coursework preferred
• 1–3 years of mortgage collections or servicing experience, including mobile homes preferred
• Working knowledge of GSE, FHA, VA, and Conventional loan programs
• Strong negotiation, communication, and customer service skills
• Ability to handle sensitive financial conversations with empathy and professionalism
• Proficient with mortgage servicing systems and Microsoft Office

Benefits

• Medical
• Dental
• Vision
• Life
• 401K match
• PTO
• Sick Time
• 10 Paid Holidays
• Remote work opportunities

Company Overview

Company H1B Sponsorship