Late Stage Collections Specialist, II

Carrington Holding Company, LLC

. Explain detailed mortgage loan information, including the HUD Waterfall, mortgage loan information, and loan workout and modification options .

Posted 9/28/2026full-timeOrange • California • United StatesJuniorMid-Level💰 $25 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in mortgage loan information, including loan modifications and loss mitigation strategies, while ensuring compliance with regulations. Proficient in evaluating borrower financials and providing effective communication and negotiation support.

Highest-signal resume keywords

Mortgage Loan InformationLoss Mitigation ExperienceFair Debt Collection Practices Act KnowledgeNegotiation SkillsVerbal Communication Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Loan ModificationCollectionsPayment ProcessingFinancial EvaluationMathematical Skills

Soft Skills

Counseling SkillsCollaboration

Tools & Technologies

Aspect DialerLoan Servicing Software

Industry Keywords

MortgageBankingCall CenterSingle Point of ContactRequest for Mortgage Assistance

About the role

Key responsibilities & impact

Explain detailed mortgage loan information, including the HUD Waterfall, mortgage loan information, and loan workout and modification options
Evaluate borrowers’ ability to pay and collect appropriate financial information in compliance with regulations
Counsel borrowers on alternative solutions
Conduct inbound and outbound calls using the Aspect Dialer and manual outbound calls
Offer loan modifications, short sales, Deed in Lieu of Foreclosure, and possible refinancing
Negotiate payment arrangements and assemble required Request for Mortgage Assistance documents
Serve as the single point of contact for borrowers
Escalate borrowers to licensed Loss Mitigation associates for specific workout details
Provide payment, payoff, servicing, short sale, REO, escrow, loss draft, closing document, and refinance/modification information
Process payments and assist with loan servicing website access and payments
Perform other duties as assigned

Requirements

What you’ll need

High school diploma or equivalent work experience
Two (2) years of collections, loss mitigation, or single point of contact experience in a call center environment
A minimum of two (2) years’ experience in the Banking, Mortgage/Loan Servicing industries
Strong knowledge of Fair Debt Collection Practices Act
Strong knowledge of relevant and industry-specific computer software packages
Strong verbal communication skills
Negotiation skills
Proficient higher level math skills to calculate and communicate borrower payments
Ability to understand moderately complex collection issues and collaborate on alternative solutions

Benefits

Comp & perks

Monthly incentive
$1.50 per hour pay differential for bilingual English/Spanish employees
Comprehensive healthcare plans for you and your family
Discretionary 401(k) match of 50% of the first 4% of pay contributed
Fitness, restaurant, retail, and other discounts through the employee portal
Customized training programs
Employee referral bonuses
Educational reimbursement
Carrington Charitable Foundation community initiatives