Early Collections Specialist
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Job Location:
Pontiac, MI - USA
Monthly Salary:
Not Disclosed
Posted on:
10 hours ago
Vacancies:
1 Vacancy
Job Summary
The Early Collections Specialist is responsible for contacting borrowers who have recently become delinquent on their mortgage payments (typically 159 days past due). This role involves identifying the reason for delinquency educating customers on payment options and encouraging timely resolution to prevent further default. The specialist will work within regulatory guidelines and company policies to support both customer retention and loan portfolio performance.
WHAT YOU WILL BE DOING
Initiate outbound and respond to inbound calls to borrowers in early stages of delinquency (12 months past due).
Engage with borrowers to understand financial hardship and determine root causes of missed payments.
Provide information on repayment options due dates and consequences of continued delinquency.
Set up and negotiate repayment plans within company policy guidelines.
Update borrower records with detailed notes of each interaction in the loan servicing system.
Ensure compliance with all federal and state regulations including FDCPA RESPA and CFPB guidelines.
Escalate complex cases or hardship scenarios to Loss Mitigation or appropriate departments.
Meet or exceed individual and team performance goals for call quality resolution rates and borrower satisfaction.
Collaborate with internal teams including Customer Service Loss Mitigation and Escrow when necessary.
WHAT WE NEED FROM YOU
Must-Have Qualifications:
High school diploma or equivalent required; associate or bachelors degree preferred.
12 years of experience in collections customer service or mortgage servicing.
Familiarity with mortgage loan terms repayment structures and default management is a plus.
Strong verbal and written communication skills.
Ability to de-escalate difficult conversations and build rapport with borrowers.
High attention to detail and accuracy in data entry and record-keeping.
Proficient in MS Office (Word Excel Outlook); experience with loan servicing software
Nice To Have Qualifications:
Bilingual (especially Spanish/English) a plus.
THE PLACE & THE PERKS
Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans Its all happening on UWMs campus where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.
Its no wonder that out of our six pillars People Are Our Greatest Asset is number one. Its at the very heart of how we treat each other our clients and our community. Whether its providing elite client service or continuously striving to improve our pillars provide a pathway to a more successful personal and professional life.
From the team member that holds a door open to the one that helps guide your career youll feel the encouragement and support on day one. No matter your race creed gender age sexual orientation and ethnicity youll be welcomed here. Accepted here. And empowered to Be You Here.
More reasons youll love working here include:
- Paid Time Off (PTO) after just 30 days
- Additional parental and maternity leave benefits after 12 months
- Adoption reimbursement program
- Paid volunteer hours
- Paid training and career development
- Medical dental vision and life insurance
- 401k with employer match
- Mortgage discount and area business discounts
- Free membership to our large state-of-the-art fitness center including exercise classes such as yoga and Zumba various sports leagues and a full-size basketball court
- Wellness area including an in-house primary-care physicians office full-time massage therapist and hair salon
- Gourmet cafeteria featuring homemade breakfast and lunch
- Convenience store featuring healthy grab-and-go snacks
- In-house Starbucks and Dunkin
- Indoor/outdoor café with Wi-Fi
DISCLAIMER
Required Experience:
IC
Key Skills
- Sales Experience
- Crane
- Customer Service
- Communication skills
- Heavy Equipment Operation
- Microsoft Word
- Case Management
- OSHA
- Team Management
- Catheterization
- Microsoft Outlook Calendar
- EHS
About Company
United Wholesale Mortgage partners with independent mortgage brokers to help them provide unparalleled client experience, best-in-class turn times, and competitive rates
