Bilingual Collections Agent (Ottawa & Surrounding areas)

Job Requisition ID: 9999  

Position Status: Temporary Full Time 

Position Type: Hybrid with mandatory weekly presence 

Office Location: Ottawa (ON)

Travel Requirement: Travel not required 

Language Designation: Bilingual 

Language Skill Levels (Read/Write/Speak): BBB 

Salary: Our salaries generally range from $ 59677.93 to $ 74597.41 and are based on qualifications and experience. 


About CMHC

At CMHC, the work you do and the work we do together matters. We come to work every day with a common purpose: to realize a future where everyone in Canada has a home that they can afford and meets their needs.


Our people are second to none. We lean in with courage, band together as a community and try new things to make a lasting impact on housing from coast to coast to coast.


Join us and be part of a team that's committed to making a real difference and be part of something meaningful.


What’s in it for you


We’ve got the purpose, the people and the perks you need for a fulfilling career. Here’s what you get when you’re a contract employee:

  • 3 weeks of accrued vacation.
  • Annual individual performance bonus.
  • Support in your personal and professional growth with training, mentorship and more – because when you thrive, we thrive.
  • An inclusive workplace culture and environment with Employee Resource Groups and more.
  • A hybrid work model that lets you balance working from home and nurturing in-person connections by coming into your region’s office at a minimum of 4 times a month.


About the role

Join our Commercial Solutions team, in the Bilingual Collections Agent position. In this role, you will administer a portfolio of judgment and non-judgment debt owed to CMHC by assessing and processing the settlement of insurance claims resulting from mortgage and non-mortgage defaults  related to government programs while minimizing risk to achieve maximum collection on a case-by-case basis and a minimum of client complaints.


This position has a duration of 12 month.


What You’ll do:

  • Examine financial information, seeking historical and contextual information from a variety of sources and establish the deficiency balance.
  • Review Bankruptcies Proposals to protect CMHC's rights to obtain the highest possible dividends and to determine whether the proposal will be accepted or opposed.
  • Perform analysis of different legal actions and or judgment renewals to be taken when a settlement is not reached.
  • Recommend legal remedies to supervisor and solicitors, which include placing execution orders against the client's additional properties, conducting debt examinations, garnishment orders, alias writs, foreclosures, power of sales and bankruptcies.
  • Provide documentation to senior team members for review and approval, as and when necessary, to ensure management of risk when faced with exceptions on policy or procedure outside financial authority level.
  • Locate consumers by tracing, using various resources and tools (such as credit bureau, underwriting system (emiliRU), mainframe, social media, internet platforms, Canada411, LinkedIn, etc.).
  • Negotiate settlement directly with clients to reach the best possible arrangement within delegated authority limits, referring complex or disputed claims to senior team members for resolution.
  • Provide guidance to third-party collection agencies, service providers, approved lenders and other internal departments such as claims, multi-units, underwriting, loans administration  including legal actions, settlements and settlements in lieu of the judgment as well as explanations for CMHC's position.


What you should have:


  • Post-secondary education  in a related field such as business, accounting, finance, legal, or commerce.
  • A minimum of three years of prior relevant experience in a customer service and/or collections environment.
  • An understanding of the competitive mortgage industry environment and the mortgage insurance business.
  • A strong knowledge of the National Housing Act, Bankruptcy and Insolvency Act as well as the Creditors Relief Act, Estate Administration, and Collection Provincial Legislation.
  • Strong oral and written communication skills including negotiating skills.
  • The ability to exercise empathy, diplomacy and tact with the ability to diffuse emotionally distraught and irate debtors.
  • Strong organizational skills including the ability to multi-task, prioritize, meet deadlines and take initiative.
  • Analytical and problem-solving skills including the application of sound judgment and the ability to escalate.
  • Bilingualism (English / French)


It would be great if you also had:

  • Experience working with accounts where misrepresentation or fraud has occurred.
  • Experience in Business, paralegal and/or banking experience.
  • Good knowledge of mortgage financing and real estate laws, collections, default remedy and/or property administration.


Posting closing date: Note, the competition will remain active until filled.




Our commitment to diversity, equity, and inclusion 

We’re committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from non-Canadians who are eligible to work in Canada.


CMHC is an inclusive workplace where diversity of thought – and of people – are recognized, valued, and considered essential to achieving our mission.


Learn more about our commitment to diversity and inclusion 


What happens after you apply 

We know that applying for a new job can be both exciting and daunting, and we appreciate your effort. Learn more about our hiring process.  If you are selected for an interview or testing, please advise us if you require an accommodation.


If you applied before and you were not successful don’t worry – we're always posting new positions, so don’t hesitate to give it another shot. We’re excited to see what you bring to the table this time around!