**Come join our amazing team and work a hybrid schedule!** The Sr Late Stage Collections Specialist is responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions, and is able to quickly identify and resolve the borrower’s concerns, formulate a plan to bring their loan current, or provide the borrower with a viable alternative solution within the first call. Negotiate more complex loan workouts and/or modifications. Incumbents receive referred cases from lower level Late Stage Collections Specialists and only occasionally need to refer cases to a Team Lead or Supervisor. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. This role is the senior level of the Late Stage Collections Specialist job family and incumbents generally perform work of the highest complexity. Incumbents are able to perform both the collections activities and loan workout or modification functions performed by the Late Stage Collections Specialist job family and are adept at handling escalated calls. This level of Late Stage Collections Specialist becomes the single point of contact for borrowers. The target pay for this position is $24.00/hr plus monthly incentive bonus. **What you’ll do:** + Explains detailed mortgage loan information to borrowers including the HUD Waterfall, mortgage loan information and loan workout and modification options to borrowers. + Explains detailed mortgage loan information and loan workouts (i.e., short sales, Deed in Lieu of Foreclosure, and/or possible refinancing) to borrowers. + Evaluates and helps the borrower determine the option that makes the most sense for them in their particular situation. + Counsels borrowers on their options through education of alternative solutions. + Contacts borrowers, utilizing an automated dialing system (Aspect Dialer) for both inbound and outbound calls and conduct manual outbound calls. + Provide alternatives to borrowers who demonstrate the ability and or inability to pay, by offering loan modifications, short sales, Deed in Lieu of Foreclosure, and/or possible refinancing. + Negotiate reasonable payment arrangements with borrowers, assembling and providing new documents in compliance with department policies and procedures and the Fair Debt Collection Practices Act. + Functions as the single point of contact for a borrower. + May need to escalate borrowers to a licensed Loss Mitigation Associate for specific workout details. + Provide status on payments and payoff inquiries; review short sale requests; provide vendor information on Real Estate Owned (REO) properties; verify payment history and new servicer contact information; process payments. + Assist with loan servicing website payments, denied access, password resets. + Respond to escrow, loss draft and closing document inquiries. + Provide status on a wide variety of loan servicing functions including loss draft, short sale, Deed in Lieu of Foreclosure, modification/refinance requests, payment/credit disputes, escrow refunds, vendors for REO properties, repayment plans, and down payments on foreclosure pending mortgages. + Strong knowledge of Fair Debt Collection Practices Act + Strong knowledge of relevant and industry-specific computer software packages + Excellent verbal communication skills – ability to express or exchange ideas verbally with others accurately, audibly, and timely + Negotiation skills that allows the Late Stage Collections Specialist to control the call and come to a proper resolution for both the company and the borrower + Proficient higher level math skills needed to calculate and communicate borrower payments. + Ability to understand complex collection issues and to collaborate and explore alternative solutions **What you’ll need:** + High school diploma or equivalent work experience + Three (3) years of collections, loss mitigation, or single point of contact experience in a call center environment + A minimum of three (3) years’ experience in the Banking, Mortgage/Loan Servicing industries **Our Company:** Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com . **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a 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. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. **Notice to all applicants: Carrington does not do interviews or make offers via text or chat.** \#LI-SY1 Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.