Collection Specialist II - Mortgage
Location

US-MS-Brandon



Job ID
2025-18698  

Category
Collections  

Type
Regular Full-Time  

Job Grade
6  

FLSA Status
Non-Exempt  

Working Hours
8-5  

 Job Location: Company  
Special Assets - 10027
Overview



The purpose of this job is to maintain an effective collections effort on an assigned group of mortgage loans resulting in fewer delinquent loans, minimizing losses following investor guidelines and departmental procedures.  This position may be a front end or back end mortgage loan collector depending on business needs.




Responsibilities



Activities and duties may vary depending upon functional area assigned, mainly responsible for simple to moderately complex  mortgage loans. This position requires moderate supervision
Conducting inbound or outbound collection calls utilizing a predictive dialer, preview or other technology, and accurately documenting collection on system of record
Negotiating payment terms for delinquent accounts and accurately notating the loans following departmental procedures
Assisting with difficult collection problems such as: payment disputes, alternative payment arrangements, loss mitigation options,
Recognizing problem accounts/loans, alerting management and providing input on a suitable course of action
Skip tracing and other specialty queues as assigned




Qualifications



High School and/or some college education with 3 or more years of related external collection experience, (2 years internal) working similar consumer mortgage or commercial products.  Job related experience will be considered.
Upper level knowledge and understanding of collection industry standards of practice including a working knowledge of privacy and fair debt collection regulations, bankruptcy, foreclosure and other consumer credit laws affecting collection of debt
General knowledge of the lending process from point of application to note documentation
General knowledge of credit bureau information and other sources of consumer reporting
Good communication and interpersonal skills
Strong organizational and analytical skills
Good judgment
Strong negotiating and decision-making skills
Strong PC skills
Team player and supporter
Physical Requirements/Working Conditions:  Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

EOE/M/F/V/D

Job #615108