Default Counselor Inspect

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Regular Providence, RI, US

4 days ago Requisition

Salary Range: $54,802.00 To $68,503.00 Annually

RIHousing - Default Counselor-Inspect
Salary - $54,802.00 - $68,503.00

Please note:

This pay range represents the base annual full-time salary for all positions within this job grade. The actual salary offered will depend on factors such as experience and other job-related qualifications.

We are seeking a dynamic professional to serve as a Default Counselor-Inspect in our Loan Servicing Department
.

This is a hybrid position based in Providence, Rhode Island, where you will be an integral part of our Loan Servicing
team. The role is designed for face-to-face collaboration and direct involvement in our office environment.

This position is responsible for fieldwork and borrower outreach related to mortgage delinquency, property condition, and default prevention. You will represent RIHousing in various legal and municipal processes and support borrowers through counseling and direct engagement to help prevent foreclosure.

• Administering the collections process in compliance with internal policies, regulatory guidelines, and investor requirements, including delinquency reporting.
• Contacting delinquent borrowers through property visits to determine the reason for default, providing face-to-face counseling, and performing property condition assessments for referral to the Default Supervisor.
• Conducting monthly property inspections on delinquent loans to determine occupancy, as well as inspections on 203K rehabilitation loans and insurance escrow holdbacks; completing detailed inspection reports.
• Attending foreclosure sales and eviction hearings as the RIHousing representative.
• Coordinating with vendors, municipal employees, utility companies, and borrowers to provide access to properties secured by RIHousing.
• Recording time-sensitive documents at municipalities throughout the state.
• Maintaining accurate documentation and monitoring the status of assigned loans.
• Participating in cross-training for other servicing functions and supporting special projects as assigned.

• Strong interpersonal presence and the ability to build trust during in-person visits and sensitive conversations.
• A calm, professional demeanor when representing RIHousing in legal, municipal, and high-stress environments.
• A detail-oriented mindset that ensures accurate documentation, thorough inspections, and consistent follow-through.
• A proactive, solutions-driven attitude when navigating complex property, borrower, or municipal issues.
• Reliability and accountability in managing fieldwork, meeting deadlines, and maintaining consistent communication.

• Three years’ experience in mortgage collections and counseling
• Knowledge of GNMA, FNMA, FHLMC, and FHA/VA insured loans, including knowledge of the foreclosure and eviction process, and knowledge of credit reporting requirements
• Strong negotiations, communications, and organizational skills
• Ability to work independently, self-motivated, and strong time management skills.
• Associate's degree in business administration or related field
• Bilingual ability required (particularly Spanish or Portuguese)
• Preferred knowledge of mortgage documents and municipal recordings.
• Preferred knowledge of property condition and municipal property violations.
• Use of a personal vehicle, a valid driver’s license, and proof of insurance is required.
• Limited telework schedule due to the nature of the job.