Mortgage Collections Manager

Houston Habitat for Humanity


  • Per Mortgage Collections, Servicing & Policy Guidelines;
  • Actively collect on delinquent loans
  • Make collections calls, conduct home visits, and/or send delinquent letters to all homeowners that are past due.
  • Send late letters, demand letters, acceleration letters and foreclosure notices as needed
  • Prepare & send additional notification letters to delinquent homeowners as needed
  • Conduct property inspections on delinquent homeowners as needed
  • Refers delinquent homeowners to other agencies for assistance when needed & follows up with agencies for monthly reports
  • Obtain current homeowner information forms on all homeowners, update in all files and in LoanBase
  • Document all conversations & correspondence with homeowner, insurance agents & other parties involved in Loanbase
  • Return calls promptly within 24 hours
  • Notify and work with attorneys concerning delinquent homeowners and possible foreclosure.
  • Prepare payment plan agreements for management approval.
  • Obtain proper management approval for action to be taken on delinquent loans
  • Prepare modification & reinstatement agreements for management approval
  • Send documents for recording as needed
  • Write, update & maintain collection policies
  • Keep in compliance with all Federal, State or other legal guidelines
  • Ensure all mortgage servicing and collection guidelines including RESPA are followed
  • Stay up to date with training in areas pertaining to mortgage servicing and collections in addition to RESPA laws.
  • Maintain departmental GOALS
  • Backup Mortgage Servicing Manager as needed


  • Manage mortgage collections activities
  • Manage all mortgage loans & related files
  • Maintain dual control of drop box with collections servicing personnel
  • Monitor & maintain homeowners loan information
  • Interact with & consult with Habitat homeowners
  • Execute & approve all payment plans
  • Log all returned payments into Excel
  • Prepare & process mortgage payment deposits
  • Properly handle Insurance Loss Drafts per guidelines
  • Review & approve loans for demand, acceleration, posting & foreclosures
  • Coordinate with legal counsel on foreclosures
  • Review & activate new loans on Loanbase
  • Check payments on Loanbase
  • Monitor compliance of mortgage servicing & collection laws
  • Assist with escrow analysis
  • Maintain escrow files
  • Setup & monitor rental properties
  • Setup investor plans, trust accounts
  • Mail statements to all homeowners
  • Communicate and provide good customer service with homeowners
  • Properly record & document all conversations and activity with homeowners
  • Assist with the preparation of financial reports, budget and audit
  • Responsible for payment of homeowner taxes
  • Process payments

Administrative duties

  • Support all required necessary audit functions.
  • Run management reports as requested
  • Perform all other duties and tasks as assigned.
  • Maintain filing for all collections documents

For more information, click here: Mtg Collections Manager