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Matt User

@mattuser16

Loan counselor at Idaho Housing and Finance Association helping borrowers prevent mortgage delinquency and find repayment arrangements.

United States

Message

At Idaho Housing and Finance Association, I handle early-stage mortgage collections, talk with borrowers about overdue payments, and negotiate repayment arrangements to help bring accounts current. I also explain general assistance options and document borrower interactions.

At Achieve, I conducted remote phone consultations with consumers exploring debt relief, credit counseling, and debt settlement. Earlier, I managed sales and office operations, and in the United States Marine Corps I led and supervised up to 50 Marines.

Experience

Work history, roles, and key accomplishments

Current

Loan Counselor – Early Stage Collector

Current

Idaho Housing and Finance Association

Feb 2025 - Present (1 year 8 months)

Manage early-stage mortgage collections, focusing on preventing accounts from progressing beyond 60 days delinquent. Handle inbound and outbound calls to discuss overdue payments, negotiate arrangements, and document borrower interactions.

Mortgage Servicing Early Stage Collections Delinquency Prevention Payment Arrangement Inbound Calls Outbound Calls Borrower Support Account Documentation CRM Database Systems Microsoft Office 365 Microsoft Teams

Debt Consultant

Achieve

May 2022 - Jan 2025 (2 years 8 months)

Conducted remote, phone-based consultations with consumers exploring debt relief, credit counseling, and debt settlement options. Assessed client needs, explained complex options, and followed up using CRM/database tools.

Debt Relief Credit Counseling Debt Settlement Remote Consultations CRM Database Systems Consultative Selling Client Needs Assessments

Sales Manager

Colorado Athletic Club (Wellbridge)

Jan 2019 - Jan 2022 (3 years)

Managed and coached an in-person sales team of approximately 6–10 representatives. Approximately doubled monthly sales in the first month of management and consistently met monthly sales goals.

Sales Management Team Leadership Coaching Customer Discovery Objection Handling Revenue Reporting

Office Manager

Amador Medical

Jan 2015 - Jan 2019 (4 years)

Reorganized office operations during the transition from in-home healthcare to durable medical equipment. Developed filing systems, administrative procedures, and workflows to improve efficiency and professionalism.

Office Management Administrative Procedures Workflow Development Client Communication Scheduling Documentation Social Media

Business Manager

Absolute Upgrade

Jan 2006 - Jan 2015 (9 years)

Developed relationships with national retailers, real-estate developers, property managers, and prospective commercial clients. Helped grow company sales from $1.5 million to $3 million within six months.

Business Development Prospecting Networking Cold Calling Relationship Development Marketing

Sergeant (E-5)

United States Marine Corps

Jan 1991 - Jan 1999 (8 years)

Led and supervised up to 50 Marines, overseeing accountability, discipline, personnel performance, and operational readiness. Coached and mentored Marines through individual counseling and professional development.

Leadership Supervision Mentorship Training Operational Readiness Discipline