ONSITE - Mortgage Collections Representative

* Description
* We're seeking a Collections Senior Specialist to collect debt and resolve homeowner issues in real time.
he ideal candidate is a self-motivated individual who is able to easily adapt to a fast-paced environment.
Responsibilities

* Contact homeowners via phone and email regarding the status of their accounts, associated late fees, and credit reports while adhering to relevant company procedures and consumer privacy laws.

* Perform skip-tracing to locate homeowners with incorrect contact information.

* Assist and support homeowners dealing with financial difficulty by establishing trust, identifying mutually agreeable payment arrangements, and maintaining excellent customer service.

* Meticulously document all inbound and outbound collections efforts within the company platform.

* Arrange and submit homeowner accounts for extensions, modifications, forbearances, and repayment plans.

* Mentor other Collections Specialists, leading departmental projects and initiatives as required.

* Collaborate with the Loan Administration and Default Servicing departments and other members of the Client Experience department to resolve account discrepancies.

* Identify gaps in processes and recommend improvements.

* Test various contact center tools and platforms.

Minimum Qualifications

* 3+ years of collections experience.

* Previous skip-tracing experience.

* Previous experience with conducting loan calculations (e.g. calculating amortization schedules, APR, and simple interest).

* Previous experience with Google Suite, Zendesk, Salesforce, and other common CRM systems.

* Previous experience with using workforce tools or partnering with workforce management teams.

* Previous experience with handling sensitive documentation.

* Comprehensive knowledge of industry regulations (e.g. FDCPA, FCRA, and TCPA).

* Excellent time management skills.

* Ability to assess homeowner needs and overcome objections.

* PLEASE READ
* TRAINING (Mandatory Cannot miss a day). Must sign attendance contract at offer.
Training will be 3 weeks on site Mon-Friday 9AM- 6PM.
After Training Schedules will either be 7-4 or 9-6, based on agent preference.
Pay will be $21.00

* Skills
* Customer service, Mortgage, Loans, financial services, Mortgage Servicing, loan servicing, inbound and outbound calls, google suite, resolution skills, foreclosure, bankruptcy, collections customer service, zendesk, skip tracing, Data entry, Customer support, Finance, Banking, Closing, Bilingual

* Top Skills Details
* Customer service,Mortgage,Loans,financial services,Mortgage Servicing,loan servicing,inbound and outbound calls,google suite,resolution skills,foreclosure,bankruptcy,collections customer service,zendesk,skip tracing

* Additional

Skills & Qualifications
* Ideal Background

* Previous experience in handling escalated delinquent accounts.

* Previous experience in foreclosure and/or bankruptcy.

* Exceptional organizational skills.

* Ability to work with minimal supervision in a fast-paced environment.

Minimum Qualifications

* 1+ years of experience in collections and/or loss mitigation.

* Minimum education requirement:
High school diploma or GED equivalent required

* Previous experience in mortgage servicing, portfolio management, national real estate management, and/or default servicing.

* Previous experience in GSE servicing, including, but not limited to, loan modifications and forbearances.

* Exceptional oral and written communication skills.

* Strong problem-solving abilities.

* Strong multitasking abilities.

* Experience Level
* Intermediate Level

* Job Type & Location
* This is a Contract to Hire position based out of Phoenix, AZ.

* Pay and Benefits
* The pay range for this position is $21.00 - $21.00/hr.
Eligibility requirements apply to some benefits and may depend on your job
classification and length of employment. Benefits are subject to change and may be
subject to specific elections, plan, or program terms. If eligible, the benefits
available for this temporary role may include the following:

* Medical, dental & vision

* Critical Illness, Accident, and Hospital

* 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available

* Life Insurance (Voluntary Life & AD&D for the employee and dependents)

* Short and long-term disability

* Health Spending Account (HSA)

* Transportation benefits

* Employee Assistance Program

* Time Off/Leave (PTO, Vacation or Sick Leave)

* Workplace Type
* This is a fully onsite position in Phoenix,AZ.

* Final date to receive applications
* This position is anticipated to close on Jan 20, 2026.
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