Late Stage Collections Specialist

Join to apply for the Late Stage Collections Specialist role at United Wholesale Mortgage

As a Late Stage Collections Specialist, you will work with borrowers who are significantly delinquent (typically 90+ days past due) on their mortgage payments. Your focus will be to engage, educate, and guide borrowers toward positive resolution, whether through reinstatement, loss mitigation, or foreclosure alternatives—always with a strong emphasis on compliance, compassion, and client experience.

• Proactively contact borrowers in late-stage delinquency to review account status and recommend appropriate resolution strategies.
• Explain UWM’s available workout and loss mitigation options, including repayment plans, loan modifications, forbearance, short sales, and deeds-in-lieu of foreclosure.
• Document all communications and borrower activities thoroughly and accurately in servicing systems (e.g., MSP).
• Collaborate across internal teams including Foreclosure, Loss Mitigation, Legal, and Compliance to ensure timely and effective handling of defaulted accounts.
• Follow regulatory guidelines from CFPB, RESPA, FDCPA, and investor requirements (e.g., Fannie Mae, Freddie Mac, FHA).
• Prepare accounts for foreclosure referral or suspension based on borrower responsiveness and eligibility.
• Deliver a best-in‑class borrower experience with empathy and professionalism during difficult conversations.
• Meet or exceed individual and team performance metrics while upholding UWM’s culture of excellence.

• High school diploma or equivalent (GED)
• 2–4 years of experience in mortgage servicing, default collections, or loss mitigation
• Strong knowledge of foreclosure processes and late-stage delinquency regulations
• High attention to detail and ability to manage sensitive, time‑critical accounts
• Excellent verbal and written communication skills
• Ability to thrive in a high‑volume, compliance‑focused environment
• Strong computer skills; comfort with Microsoft Office and mortgage servicing platforms (e.g., MSP)

• Associate’s or Bachelor’s degree in Business, Finance, or related field
• Experience with Fannie Mae, Freddie Mac, FHA, or VA loss mitigation guidelines
• Bilingual skills (especially Spanish)
• Familiarity with UWM systems and servicing workflows

Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award‑winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.

• Paid Time Off (PTO) after just 30 days
• Additional parental and maternity leave benefits after 12 months
• Adoption reimbursement program
• Paid volunteer hours
• Paid training and career development
• Medical, dental, vision and life insurance
• 401k with employer match
• Mortgage discount and area business discounts
• Free membership to our large, state‑of‑the‑art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full‑size basketball court
• Wellness area, including an in‑house primary‑care physician’s office, full‑time massage therapist and hair salon
• Gourmet cafeteria featuring homemade breakfast and lunch
• Convenience store featuring healthy grab‑and‑go snacks
• In‑house Starbucks and Dunkin
• Indoor/outdoor café with Wi‑Fi

All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job‑related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise.

Employment with UWM is “at‑will.” UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.