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

Carrington Holding Company; Westfield (IN); Hybrid; USD 26,708 - 38,038; Full time

Benefits offered by this job

Comprehensive healthcare plans

401(k) matching

Educational Reimbursement

Employee referral bonuses

Job summary

Carrington Holding Company in Westfield, IN, is looking for an Early Stage Collections Specialist who will work a hybrid schedule. This role involves counseling borrowers on effective ways to bring their loan current and assisting in alternative solutions, all performed under compliance with company policies and laws.

The ideal candidate will have a high school diploma, customer service experience, and up to one year of collections experience. Comprehensive benefits and a supportive work environment are offered.

Qualifications

• Less than one year of collections experience in a customer service/call center.
• Experience in the Banking, Mortgage/Loan Servicing industries preferred.

Responsibilities

• Counsel borrowers on methods for bringing their loan current.
• Contact borrowers in the early stages of the delinquency cycle.
• Negotiate payment arrangement to bring borrowers current.

Skills

Collections experience

Customer service

Spanish bilingual (optional)

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 elevate 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 4133
• Job Category Collections
• Posting Date 06/03/2026, 04:55 PM
• Job Schedule Full time
• Locations 2100 E 196th St, Westfield, IN, 46074, US (Hybrid)