About Us:The South Carolina State Housing Finance and Development Authority (SC Housing) is a forward-thinking organization that is committed to changing the lives of South Carolinians by providing safe, quality, and affordable housing opportunities for those in need. We are transforming the housing industry in our state through cutting-edge programs and competitive financial products that make homeownership affordable and quality rental housing possible for many. Our staff energizes the work that we do and helps find solutions that make a difference in the lives of others.
About the Job:
This position is located in the Mortgage Servicing Division of SC Housing. This position supports the Collections and Foreclosure Services Manager in managing the delinquency portfolio and full delinquency reporting activities to insurers. The Default Counselor is responsible for contacting, counseling and assisting SC Housing mortgagors facing financial difficulties. A key function of this job is proactively seeking innovative solutions by fully utilizing insurer-approved loss mitigation strategies in order to mitigate defaults and reinstate mortgage loans. In doing so, you will help maintain the financial stability and long-term viability of SC Housing lending programs.
Your duties will include:
- Contacting delinquent borrowers using written and verbal communication, within established guidelines.
- Counseling delinquent borrowers in an attempt to cure the defaulted loan.
- Documenting and preparing collection efforts for internal and external reporting requirements, to include audits and the foreclosure management review committee.
- Preparing delinquency reporting to FHA, USDA and VA mortgage insurers.
- Maintaining knowledge of Default and Loss Mitigation guidelines for conventional, FHA, USDA, and VA insurers.
- Processing debit card payments by phone.
