Bilingual Early Stage Collections Specialist, I
CarringtonCrisp
full-time
Posted on:
Location Type: Hybrid
Location: Westfield • United States
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Salary
💰 $22 - $23 per hour
Job Level
About the role
- Contact borrowers in the early stages (1-59 days) of delinquency to counsel and negotiate payment arrangements
- Evaluate borrower’s ability to pay and collect financial information in compliance with regulations
- Educate borrowers on alternative solutions (repayment plans, loan modifications, short sales, Deed in Lieu of Foreclosure, and/or refinancing)
- Use automated dialing system (Aspect Dialer) for inbound and outbound calls
- Negotiate reasonable payment arrangements and initiate and explain required documents for Request for Mortgage Assistance packages
- May function as the single point of contact for a borrower and escalate to licensed Loss Mitigation associate when needed
- Provide status on payments and payoff inquiries; verify payment history and 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 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
- Support inbound Customer Service during high-volume days
- Perform duties in accordance with company policies and applicable US state and federal laws
Requirements
- Must be fluent in Spanish & English
- 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
- Ability to work a hybrid schedule, Monday through Friday 8am to 5pm
Benefits
- Comprehensive healthcare plans for you and your family
- Discretionary 401(k) match of 50% of the first 4% of pay contributed
- Access to fitness, restaurant, retail and other discounts through employee portal
- Customized training programs to help you advance your career
- Employee referral bonuses
- Educational Reimbursement
- Carrington Charitable Foundation community contributions and volunteer support
- Monthly incentive bonus
- Additional $1.50/hr for Spanish bilingual skill set
- Hybrid work schedule (Monday through Friday, 8am to 5pm)
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
collections experienceloan servicing experiencepayment arrangements negotiationfinancial information evaluationmortgage assistance documentationpayment processingescrow managementcustomer service skillsbilingual (Spanish & English)
Soft Skills
counselingnegotiationcommunicationproblem-solvingcustomer supportorganizational skills
Certifications
high school diploma or equivalent