Loan Counselor

Loan Counselor I - BilingualJoin a winning team of innovative thinkers, seasoned mortgage professionals, and financial experts. Build your career at Planet—recognized as a Top Mortgage Employer by National Mortgage Professional.Job SummaryThe Loan Counselor I - Bilingual is responsible for maintaining a delinquent loan collection program within established guidelines and procedures to minimize the delinquency status of the mortgage loan portfolio. Assist other loan counselors, as required, in the negotiation and collection of delinquent accounts. As a bilingual representative, this position handles inquiries and interactions in the customer's preferred language.Essential Duties and ResponsibilitiesMonitors all standard collection procedures according to Planet Home Lending's policy to minimize loan delinquencies.Assist mortgagors in bringing their loan current by contact through inbound/outbound calls, and established skip trace methods. Set payment arrangements for total amount due, or establish a repayment plan pursuant to Agency/Investor Guidelines as well as Planet Home Lending policy.Document and maintain on-line collection history detailing events to bring the loan current. These events should include but are not limited to the reason for default, updated financial information, and an explanation of how and when the loan will become current.Evaluate all mortgagors who do not have the ability to bring the loan current then refer to the Mitigation Department.Complete performance standards on each daily assignment of loan, maintain quality call standards and meet call goals daily.Maintain up to date knowledge and adhere to investor rules and requirements.Performs other duties as assigned.Position RequirementsEducationHigh school diploma or equivalentExperienceExperience using specified second language in a professional capacity is required. Language testing may be required.One year of collection experience or equivalentMortgage collection experience a plusCourteous, tactful and assertive interpersonal skillsDemonstrates effective listening skillsData Entry SkillsStrong analytical and negotiating skillsAbility to work well on a team and focus on resultsAbility to research and resolve problems effectivelyFunctional/Technical SkillsCourteous, tactful and assertive interpersonal skillsDemonstrates effective listening skillsData Entry SkillsStrong analytical and negotiating skillsAbility to work well on a team and focus on resultsAbility to research and resolve problems effectivelyGood verbal and written communication skills with strong interpersonal skillsPossess strong problem-solving skillsAbility to work effectively in a demanding, team-oriented, and fast-paced environmentWorking experience within a call centerExperience working with Microsoft Windows applicationsAbility to work assigned/flexible hours necessary to complete the job on a weekly basisEnvironmental/Physical DemandsWork is typically performed in a standard office environment. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sustain predictable work attendance, communicate with others, frequently required to stand, walk, sit, and use arms, hands and fingers to reach, handle or touch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of an employee. The Company reserves the right to amend or modify this document at any time and without notice.BenefitsOur benefits package includes 3 comprehensive Cigna or Kaiser medical plans, dental, and vision insurance. We provide short term and long-term disability insurance, basic life insurance, 401(k), and 11 employer paid holidays. In addition, we offer supplemental benefits to include life insurance, critical illness and accident plans.