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 A Gilbert, Ariz.-based lender to buyers of manufactured homes. It was founded in 1999, and is headquartered in Gilbert, Arizona, USA, with a workforce of 201-500 employees. Its website is Company H1B Sponsorship Cascade Financial Services has a track record of offering H1B sponsorships, with 1 in 2021. Please note that this does not guarantee sponsorship for this specific role.