Senior Collections Specialist (Loss Mitigation)
Location:** Jacksonville, FL 32256
Job Type:** Contract (3 Months)
Pay Rate:** $27.00 per hour
Schedule:** Full-Time, 11:00 AM – 8:00 PM EST
Work Location:** 100% Onsite
About the Role
We are seeking an experienced **Senior Collections Specialist** to join our Loss Mitigation team. In this role, you will serve as the primary point of contact (Single Point of Contact/SPOC) for borrowers, helping them navigate delinquency resolution and home retention or liquidation options.
The ideal candidate will have a strong background in collections, mortgage servicing, and loss mitigation, with excellent customer service and negotiation skills.
Key Responsibilities
* Serve as the primary point of contact for borrowers regarding loss mitigation and collections matters.
* Conduct inbound and outbound collection calls to resolve delinquent accounts.
* Analyze borrower financial information to determine eligibility for retention and liquidation solutions.
* Negotiate payment arrangements and recommend appropriate loss mitigation options, including forbearance plans, loan modifications, short sales, and deeds in lieu.
* Maintain accurate and detailed documentation of customer interactions and account activity.
* Resolve complex customer inquiries, disputes, and escalated issues professionally and efficiently.
* Ensure compliance with investor guidelines, company policies, and applicable federal and state regulations.
* Review accounts and documentation to support sound decision-making and recommendations.
Required
* High School Diploma or GED
* Minimum 3 years of experience in Collections, Loss Mitigation, or Mortgage Servicing
* Strong knowledge of:
* FHA, VA, FNMA (Fannie Mae), and FHLMC (Freddie Mac) investor guidelines
* State and Federal Fair Debt Collection laws
* U.S. Bankruptcy Code, bankruptcy procedures, and regulations
* Excellent customer service, negotiation, and communication skills
* Strong analytical and problem-solving abilities
* Proficiency with Microsoft Office applications
* Ability to manage multiple priorities in a fast-paced environment
Preferred
* Some college education
* Previous experience serving as a Single Point of Contact (SPOC) within Loss Mitigation
Additional Information
* Two weeks of onsite training provided
* One phone/video interview (15–20 minutes)
* Potential for contract extension or permanent hire based on business needs and performance (not guaranteed)
* Target start date: June 15, 2026 (subject to change)
Pay: $25.00 - $27.00 per hour
Work Location: In person
