Mortgage and Commercial Loan Collector

The Mortgage & Commercial Loan Collector is responsible for managing delinquent real estate and commercial loan accounts , including prioritization of loss mitigation for Real Estate and Commercial loans, Real Estate foreclosure proceedings and iter atively improving outcomes through data-informed experimentation and feedback. Representing UFCU with professionalism, accuracy, and member-centered care , the Mortgage & Commercial Collector uses Loan Origination, Loan Servicing and Loan Sub-Servicing tools and resources and interfaces with UFCU’s Mortgage Loan Sub
- Servicer . This role combines portfolio reporting, loan servicing, loss mitigation analysis, foreclosure coordination, and Real Estate Owned (REO) disposition support to protect UFCU assets while helping members understand available assistance options.

The Mortgage & Commercial Loan Collector supports Collections Management, Finance, Mortga g e Lending and Servicing , Legal, and member-facing teams by providing timely reporting, clear documentation, informed recommendations, and compliant servicing actions for loans that require collection, workout, foreclosure, or liquidation activity.

This role is ideal for someone who is analytical, organized, empathetic, detail-oriented, and comfortable balancing member support with prudent credit union risk management.

The Mortgage & Commercial Loan Collector reports to Collections Management.

Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures .

In pursuit of our aspiration that UFCU is
loved by millions of Members and built to thrive for generations , we are guided by our values:

We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success.

We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.

We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.

• Prepare and distribute Real Estate Delinquency Reporting as needed, ensuring information is accurate, timely, and useful for management review.
• Provide data and insights to Collections Management and Finance to support loan loss reserve provisioning, including reason for delinquency, borrower intentions, loan balance at risk, property valuation, and loss-risk assessment.
• Participate in periodic reviews of delinquent real estate and commercial loans, identifying trends, risk indicators, follow-up needs, and recommended next steps.
• Summarize portfolio status, workout activity including performance of loss mitigation programs , foreclosure pipeline, exceptions, REO inventory, and high-risk exposures for internal stakeholders.
• Maintain accurate, compliant records of all collections and servicing activities in accordance with UFCU policies, procedures, and applicable laws and regulations.
• Ensure all servicing and collection activities adhere to investor pool requirements and internal approval standards.
• Conduct outreach to members past due…