Early Stage Collections Specialist, II

CarringtonCrisp

Collections Specialist at Carrington Mortgage Services responsible for advising borrowers on loan repayment options. Made complex payment arrangements while ensuring compliance with regulations across mortgage and lending.

Posted 7/9/2026full-timePlano • Texas • 🇺🇸 United StatesJunior💰 $25 per hourWebsite

About the role

Key responsibilities & impact

Responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions.
Contact borrowers primarily in the early stages (1-59 days) 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.
Review the borrower’s current financial situation and offer additional options depending on the circumstance.
Provide support to inbound Customer Service on high inbound volume days.
Explain detailed mortgage loan information to borrowers.
Evaluate and help determine the borrower’s ability to pay and collect appropriate financial information.
Counsel borrowers on their options.
Utilize an automated dialing system (Aspect Dialer) for both inbound and outbound calls.
Negotiate reasonable payment arrangements with borrowers.
Process payments and provide status on a wide variety of servicing functions.

Requirements

What you’ll need

Knowledgeable of investor hierarchies for loss mitigation options.
Knowledge of or ability to learn requirements of the Fair Debt Collection Practices Act.
Knowledge of relevant and industry-specific computer software packages.
Strong verbal communication skills – ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly.
Basic to Intermediate math skills (i.e., add, subtract, multiply, and divide and to record, balance, and check results for accuracy).
Ability to understand basic collection issues and to collaborate and explore alternative solutions.
Ability to apply state, federal and company requirements and make proper decisions.
Ability to organize thoughts and ideas into understandable terminology.
Negotiation skills that allow the Early Stage Collections Specialist to control the call and come to a proper resolution for both the company and the borrower.
High school diploma or equivalent work experience.
One (1) year collections experience in a customer service/call center environment and /or loan servicing experience.
A minimum of one (1) year of experience in the Banking, Mortgage/Loan Servicing industries preferred.

Benefits

Comp & perks

Comprehensive healthcare plans for you and your family.
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.

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Hard Skills & Tools

Loan CounselingPayment Arrangement NegotiationFinancial EvaluationCollections ProcessingAutomated Dialing System Utilization

Soft Skills

Strong Verbal CommunicationOrganizational SkillsProblem-Solving Skills