Collections Officer

Overview

Join Virginia Housing and help make a difference as a Loan Collections Officer (Hybrid). Virginia Housing is one of the nation’s premier housing finance agencies. Our mission is to help Virginians attain quality, affordable housing, which we accomplish through public‑private partnerships.

We are focused on employee engagement and committed to a healthy and diverse workforce. We offer on‑site conveniences such as a fitness center and free parking. Educational opportunities to help your advancement are available through classroom and online programs.

This important role will serve as the primary point of contact for our mortgagors regarding their past‑due loans and be responsible for providing professional service to our borrowers; performing preliminary loss mitigation review to determine hardships and identify potential loss mitigation candidates.

• Effectively and efficiently respond to borrower requests via phone and e‑mail using appropriate collections and counselling techniques while adhering to Virginia Housing, federal, state, investor and insurer regulations and guidelines.
• Research and resolve inquiries by collaborating with internal and external partners.
• Collect on all stages of delinquent accounts, determining appropriate action to bring loan current and handle loss mitigation calls.
• Send out borrower assistance packages.
• Handle loss mitigation inbound calls.
• Have a clear understanding of the FDCPA.

• High School Diploma, GED or equivalent vocational/technical training.
• A few years of mortgage and/or collections experience.
• A good working knowledge of GSE and Conventional default collections guidelines.
• Strong written and oral communication skills.
• Excellent customer service skills with the ability to maintain composure under pressure and in confrontational situations.
• Strong analytical abilities and active listening skills.

• Knowledge of Black Knight/LPS Servicing System.

• 1st through 16th: 9:30 AM – 6:00 PM (Mon–Fri)
• 17th through 31st: 10:30 AM – 7:00 PM (Mon–Fri)
• Last two Saturdays of the month: 9:00 AM – 1:00 PM
• Last two Wednesdays of the month: 3:00 PM – 7:00 PM

Hiring range: $54,000 – $72,500.

A background check will be performed as a condition of employment.

A Conflict‑of‑Interest Act Disclosure form and Secondary Employment Disclosure form will need to be completed as a condition of employment.

Virginia Housing requires associates to live and work within the Commonwealth of Virginia.

- EOE- V3 Certified Military friendly employer.