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

Carrington Mortgage Services, LLC; Westfield (IN); Hybrid; USD 32,000 - 39,000; Full time

Benefits offered by this job

Healthcare

401(k) match

Discounts

Training programs

Referral bonuses

Educational reimbursement

Job summary

Carrington Mortgage Services, LLC, located in Westfield, IN, is hiring an Early Stage Collections Specialist, I for a hybrid schedule (11am–8pm EST). The role focuses on counseling borrowers on payment options and negotiating arrangements to bring accounts current, with additional support to inbound customer service on high-volume days.

The target pay is $23.50/hr plus monthly incentive bonus, with optional +$1.50/hr for Spanish bilingual skills and +$1.50 for the 11am–8pm shift.

Qualifications

• 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 preferred.

Responsibilities

• Counsel borrowers on methods to bring the loan current and negotiate payment arrangements.
• Contact borrowers in early delinquency (1–59 days) and review financial situations.
• Provide options including repayment plans, loan modifications, short sales, Deed in Lieu, refinancing.
• May serve as single point of contact and escalate to Loss Mitigation as needed.
• Assist with loan servicing website payments and inquiries.

Skills

Customer service

Negotiation

Communication

Phone etiquette

Education

High school diploma or equivalent

Tools

Aspect Dialer

Job description

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

Westfield, IN, United States (Hybrid)

Job Description

Come join our amazing team and work a hybrid schedule!

The Early StageCollections 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 Spanishbilingual 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 escalation 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 Servicesis 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.

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Job Info

• Job Identification 4568
• Job Category Collections
• Posting Date 10/13/2026, 02:55 PM
• Job Schedule Full time
• Locations 2100 E 196th St, Westfield, IN, 46074, US (Hybrid)