Collections Officer (Mortgage)

Seeking an experienced Collector to manage full-cycle collections on past-due accounts. Requires 3–5 years’ experience, strong communication, negotiation, and organizational skills, and ability to handle high-volume, fast-paced work with professionalism and integrity.

Mortgage finance company looking for an experienced collector to complete the full cycle of collection on past due accounts with professionalism and accountability. Candidate must demonstrate good organizational skills and be efficient, knowledgeable, accurate and persistent.  

Required Skills and Responsibilities

•	Strong written and oral communication skills are essential.
•	Promptly notifying customers on the assigned task list of the delinquent monthly payment and collecting past due payments to bring the account back into good standing
•	Evaluate a situation and advise customers of necessary actions and negotiate debt repayment.
•	Follow up frequently for payment or commitments as per company process guidelines.
•	Determine when legal action is required and act on these accounts with speed
•	Accurately complete all documentation required in the required timelines when working on a file, according to company policy.
•	Knowledge of contract terms and other contract documentation required to enforce the contracts effectively.
•	Assist with the administration of loans in enforcement 
o	Accurately preparing discharge statements
o	Provide documents and answer questions to assist the Lawyer handling the enforcement file
o	Schedule property inspections with a property manager
o	Prepare property insurance applications and order policy
o	Keep the files updated with detailed notes, invoices, documents, and timelines
•	Problem-solving and tactfully handling confrontational or stressful interactions
•	Efficiently de-escalating complaints and always treating customers with integrity.
•	Able to achieve exceptional results while maintaining high ethical standards and compliance with all policies and legislation.
•	Ability to multitask and successfully perform in a high-pace environment.
•	Work independently within a team to ensure service levels met
•	To escalate to Management any queries beyond the scope of individual empowerment
•	Diligently make notes and update client information in relevant software platforms.
•	Good mathematical skills and ability to understand payment histories, calculate payouts and renewals
•	Flexible and supportive of taking on other tasks as Management may request

Requirements

•	3-5 years of collections experience
•	Mortgage experience an asset 
•	Post-secondary education
•	Good English oral and written skills. French is a bonus.
•	Strong computer skills, including proficiency in Microsoft Office and Excel applications, email, basic internet usage and ability to learn new software systems