Hybrid Early Stage Collections Specialist, I
Carrington Holding Company, LLC, Orange, CA, United States
Come join our amazing team and work a hybrid schedule! The Early Stage Collections Specialist will be responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions. We contact borrowers in the early stages (1‑59 days) of the delinquency cycle and negotiate payment arrangements to bring borrowers current. If a borrower is unable to bring the account current, we thoroughly review the borrower’s current financial situation and offer additional options depending on the circumstance. The role also provides support to inbound Customer Service on high volume days. All duties are performed in accordance with company policies, procedures, and applicable US state and federal laws and regulations.
The role generally performs work of low to moderate complexity. Incumbents perform collections and customer service activities while learning more complex mortgage concepts and call types. The approved pay for this position is $23.50 per hour plus a monthly incentive bonus. An additional $1.50 per hour can be added if you are fully bilingual in English and Spanish.
Responsibilities
Evaluate and help determine the borrower’s ability to pay, and collect appropriate financial information in a courteous and professional manner, striving for first‑call resolution and complying with all applicable regulations.
Counsel borrowers on their options through education of alternative solutions.
Contact borrowers, utilizing an automated dialing system for both inbound and outbound calls.
Provide alternatives to borrowers, educating them on repayment plans, loan modifications, short sales, Deed in Lieu of Foreclosure, and/or possible refinancing.
Negotiate reasonable payment arrangements with borrowers, initiate and explain required documents to complete a borrower “Request for Mortgage Assistance” package in compliance with department policies and procedures.
Act as the single point of contact for a borrower.
Escalate borrowers to a licensed Loss Mitigation associate for specific workout details when necessary.
Provide status on payments and payoff inquiries; verify payment history and new servicer contact information; process payments.
Assist with loan servicing website payments, denied access, and password resets.
Respond to escrow, loss draft and closing document inquiries.
Provide status on a wide variety of servicing functions, including payment/credit disputes, escrow refunds/shortage, loss draft, short sale, Deed in Lieu of Foreclosure, modification/refinance requests, repayment plans, and additional mortgage activities.
Qualifications
High school diploma or equivalent work experience.
Less than one year collections experience in a customer service/call center environment and/or loan servicing experience.
Experience in the Banking, Mortgage/Loan Servicing industries is preferred.
Our Company
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full‑lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. For more information, visit www.carringtonmortgage.com.
What We Offer
Comprehensive healthcare plans for you and your family, plus a discretionary 401(k) match of 50% of the first 4% of pay contributed.
Access to several fitness, restaurant, retail, and other employee portal discounts.
Customized training programs to help you advance your career.
Employee referral bonuses.
Educational reimbursement.
Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information, visit carringtoncf.org.
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The role generally performs work of low to moderate complexity. Incumbents perform collections and customer service activities while learning more complex mortgage concepts and call types. The approved pay for this position is $23.50 per hour plus a monthly incentive bonus. An additional $1.50 per hour can be added if you are fully bilingual in English and Spanish.
Responsibilities
Evaluate and help determine the borrower’s ability to pay, and collect appropriate financial information in a courteous and professional manner, striving for first‑call resolution and complying with all applicable regulations.
Counsel borrowers on their options through education of alternative solutions.
Contact borrowers, utilizing an automated dialing system for both inbound and outbound calls.
Provide alternatives to borrowers, educating them on repayment plans, loan modifications, short sales, Deed in Lieu of Foreclosure, and/or possible refinancing.
Negotiate reasonable payment arrangements with borrowers, initiate and explain required documents to complete a borrower “Request for Mortgage Assistance” package in compliance with department policies and procedures.
Act as the single point of contact for a borrower.
Escalate borrowers to a licensed Loss Mitigation associate for specific workout details when necessary.
Provide status on payments and payoff inquiries; verify payment history and new servicer contact information; process payments.
Assist with loan servicing website payments, denied access, and password resets.
Respond to escrow, loss draft and closing document inquiries.
Provide status on a wide variety of servicing functions, including payment/credit disputes, escrow refunds/shortage, loss draft, short sale, Deed in Lieu of Foreclosure, modification/refinance requests, repayment plans, and additional mortgage activities.
Qualifications
High school diploma or equivalent work experience.
Less than one year collections experience in a customer service/call center environment and/or loan servicing experience.
Experience in the Banking, Mortgage/Loan Servicing industries is preferred.
Our Company
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full‑lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. For more information, visit www.carringtonmortgage.com.
What We Offer
Comprehensive healthcare plans for you and your family, plus a discretionary 401(k) match of 50% of the first 4% of pay contributed.
Access to several fitness, restaurant, retail, and other employee portal discounts.
Customized training programs to help you advance your career.
Employee referral bonuses.
Educational reimbursement.
Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information, visit carringtoncf.org.
#J-18808-Ljbffr