Specialist, Collections, I, V1

Carrington Holding Company, LLC; Phoenix (AZ); On-site; USD 42,000 - 58,000; Full time

Job summary

Carrington Holding Company, LLC in Phoenix, AZ is seeking a Mortgage Collections Specialist to counsel borrowers and negotiate repayment options to bring accounts current.

The role involves handling delinquency stages, reviewing financial situations, and offering alternatives while supporting high-volume inbound customer service in accordance with applicable laws and company policy.

Qualifications

• Experience counseling borrowers on loan workouts and repayment options.
• Ability to evaluate borrower pay ability and gather financial information.
• Familiarity with mortgage regulations and compliance requirements.

Responsibilities

• Explains mortgage loan details and workout options to borrowers.
• Assesses borrower's ability to pay and collects financial information.
• Counsels borrowers on alternatives through education of solutions.
• Contacts borrowers using an automated dialing system for inbound/outbound calls.
• Provides repayment plan options and discusses loan modification possibilities.

Skills

Mortgage collections

Customer service

Job description

Job Description

Come join our amazing team and work at our office in Phoenix, AZ

Job Summary

Responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions. Contact borrowers in all stages of the delinquency cycle and negotiate payment arrangements to bring borrowers current. Assist borrowers that are more than 59 days delinquent and borrowers that are in foreclosure. 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. 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.

What You'll Do

• Explains detailed mortgage loan information to borrowers including the HUD Waterfall, mortgage loan information and loan workout and modification options to borrowers.
• 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