Job Description

RIHousing - Default Counselor-Inspect

Salary - $53,414.00 - $66,767.00

What it's all about:

We are seeking a dynamic professional to serve as a

Default Counselor-Inspect

in our

Loan Servicing Department

.

This position is accountable for property visits related to various aspects of Loan Servicing, attending foreclosure sales, and mortgage counseling and collections through foreclosure to ensure minimal risk exposure to RIHousing.


This is a hybrid position based in

Providence, Rhode Island,

where you will be an integral part of our

Loan Servicing

team. The role is designed for face-to-face collaboration and direct involvement in our office environment.

What you'll do on a daily basis:

This position is responsible for fieldwork and borrower outreach related to mortgage delinquency, property condition, and default prevention. You will represent RIHousing in various legal and municipal processes and support borrowers through counseling and direct engagement to help prevent foreclosure.


Key responsibilities include:

Administering the collections process in compliance with internal policies, regulatory guidelines, and investor requirements, including delinquency reporting. Contacting delinquent borrowers through property visits to determine the reason for default, providing face-to-face counseling, and performing property condition assessments for referral to the Default Supervisor. Conducting monthly property inspections on delinquent loans to determine occupancy, as well as inspections on 203K rehabilitation loans and insurance escrow holdbacks; completing detailed inspection reports. Attending foreclosure sales and eviction hearings as the RIHousing representative. Coordinating with vendors, municipal employees, utility companies, and borrowers to provide access to properties secured by RIHousing. Recording time-sensitive documents at municipalities throughout the state. Maintaining accurate documentation and monitoring the status of assigned loans. Participating in cross-training for other servicing functions and supporting special projects as assigned.

What you'll bring to the team:

Strong interpersonal presence and the ability to build trust during in-person visits and sensitive conversations. A calm, professional demeanor when representing RIHousing in legal, municipal, and high-stress environments. A detail-oriented mindset that ensures accurate documentation, thorough inspections, and consistent follow-through. A proactive, solutions-driven attitude when navigating complex property, borrower, or municipal issues. Reliability and accountability in managing fieldwork, meeting deadlines, and maintaining consistent communication.

What you'll need to succeed:

Three years' experience in mortgage collections and counseling Knowledge of GNMA, FNMA, FHLMC, and FHA/VA insured loans, including knowledge of the foreclosure and eviction process knowledge of credit reporting requirements Strong negotiations, communications, and organizational skills Ability to work independently, self-motivated, and strong time management skills. Associate's degree in business administration or related field Bilingual ability required (particularly Spanish or Portuguese) Preferred knowledge of mortgage documents and municipal recordings. Preferred knowledge of property condition and municipal property violations. Use of a personal vehicle, a valid driver's license, and proof of insurance is required. Limited telework schedule due to the nature of the job.

Not sure if you meet all the qualifications? Let us decide!

Why RIHousing:

Mission-Driven Organization Dedicated Workforce Parking Stipend Medical/Dental/Vision/Life Insurance Paid Time Off Retirement Options Flexible Work Hours If Position Eligible, Future Hybrid Work May Be Available Education Reimbursement Onsite Fitness Classes Volunteer Days Winner of "Best Places to Work" 2016, 2018, 2019, 2021 - 2025 Greater Providence Chamber of Commerce Worksite Health Award 2013 - 2025 PBN's Healthiest Employers of RI 2025

RIHousing

strives to ensure that all people who live or work in Rhode Island can afford a healthy, attractive home that meets their needs. A good home provides the foundation upon which individuals and families thrive, children learn and grow, and communities prosper.

To achieve our mission, we:

Offer fair, affordable, and innovative lending programs. Provide housing-related education to consumers and others. Promote and finance sensible development that builds healthy, vibrant communities. Provide housing grants and subsidies to Rhode Islanders with the greatest need. Team up with partners to improve everything we do.

RIHousing

uses its resources to provide low-interest loans, grants, education, and assistance to help Rhode Islanders find, rent, buy, build, and keep a good home. Created by the General Assembly in 1973, RIHousing is a privately funded public-purpose corporation. RIHousing requires its employees to be highly motivated and knowledgeable, have a sound understanding of the changing needs of Rhode Island's housing market, be willing to work within and toward a smoothly integrated operation, demonstrate a commitment to serve the people of Rhode Island, especially those with low and moderate incomes in need of safe and affordable homes, and possess a high level of integrity and deep respect for all Rhode Islanders, including customers, partners, and fellow employees.