Early Stage Collections Specialist, I (11am to 8pm EST shift)

Carrington Holding Company, LLC; Westfield (IN); Híbrido; USD 32.000 - 36.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Healthcare plans

401(k) match

Employee discounts

Training programs

Referral bonuses

Educational reimbursement

Charitable foundation participation

Descripción de la vacante

Carrington Mortgage Services, part of The Carrington Companies, seeks an Early Stage Collections Specialist in Indiana with a hybrid schedule to counsel borrowers and negotiate payment options.

You will handle 1–59 day delinquencies, use a dialer for calls, and coordinate mortgage assistance packages while complying with regulations and internal policies.

Formación

• High school diploma or equivalent work experience.
• Less than one year of collections experience in a customer service/call center environment and/or loan servicing experience.
• Experience in the Banking, Mortgage/Loan Servicing industries preferred.

Responsabilidades

• Evaluates borrower’s ability to pay and collects financial information for first-call resolution.
• Counsels borrowers on repayment options and loan modifications.
• Contacts borrowers using an automated dialing system for inbound/outbound calls.
• Educates borrowers on repayment plans and forbearance options.
• Negotiate payment arrangements and guide borrowers through required documents for mortgage assistance.
• May be the single point of contact for a borrower.
• Assist with servicing website payments and access issues.
• Respond to escrow, loss draft and filing inquiries.
• Support a wide range of servicing tasks including disputes and refinances.

Conocimientos

Customer service

Negotiation

Mortgage servicing knowledge

Educación

High school diploma or equivalent

Herramientas

Aspect Dialer

Descripción del empleo

Job Description

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. Contact borrowers in the early stages (1-59 days) of the delinquency cycle and negotiate payment arrangement to bring borrowers current. In the event a borrower is unable to bring the account current, representatives thoroughly review the borrower's current financial situation and offer additional options depending on the circumstance. They also provide support to inbound Customer Service on high inbound volume days. Individual must perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates.

This role generally performs work of low to moderate complexity. Incumbents are able to perform collections and customer service activities and may still be learning the more complex mortgage concepts and call types.

The target pay for this position is $23.50/hr plus monthly incentive bonus. An additional $1.50/hr can be added for the Spanish bilingual skill set as well as an additional $1.50 for working 11am to 8pm.

What you'll do:

• Evaluates and helps determine the borrower's ability to pay, and collects appropriate financial information in a courteous and professional manner, striving for first-call resolution and in compliance with all applicable regulations.
• Counsels borrowers on their options through education of alternative solutions.
• Contacts borrowers, utilizing an automated dialing system (Aspect Dialer) for both inbound and outbound calls.
• Provide alternatives to borrowers who demonstrate the ability and or inability to pay, by 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.
• May function as the single point of contact for a borrower.
• May need to escape borrowers to a licensed Loss Mitigation associate for specific workout details.
• 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, 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 mortgages activities.

What You'll Need

• High school diploma or equivalent work experience
• Less than one (1) year collections experience in a customer service/call center environment and /or loan servicing experience
• Experience in the Banking, Mortgage/Loan Servicing industries 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. To read more 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 more!) discounts through our employee portal.
• Customized training programs to help you advance your career.
• Employee referral bonuses so you'll get paid to help Carrington and Vylla grow.
• Educational Reimbursement.
• Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

Notice to all applicants: Carrington does not do interviews or make offers via text or chat.