Collections Specialist

Collections Specialist / Loss Mitigation SPOC (100% Onsite)
Schedule: Monday–Friday | 11:00 AM – 8:00 PM EST
Position Type: Full-Time | Temporary with Potential Extension or Temp-to-Hire (Not Guaranteed)

About the Role:

We are seeking an experienced Collections Specialist / Single Point of Contact (SPOC) to support loss mitigation and collections operations for mortgage servicing accounts. In this highly specialized role, you will serve as the primary liaison for borrowers navigating delinquency resolution, home retention solutions, and liquidation options. This position requires strong collections expertise, mortgage servicing knowledge, and the ability to handle sensitive financial situations with professionalism and compliance.

Key Responsibilities:
Serve as the primary point of contact for borrowers regarding loss mitigation, delinquency, and collections inquiries
Perform high-volume inbound and outbound calls to resolve delinquent mortgage accounts
Analyze borrower financial information to determine eligibility for retention solutions such as forbearance or loan modifications
Review liquidation options including short sales and deeds in lieu when applicable
Negotiate payment arrangements and repayment solutions while maintaining compliance with investor and regulatory guidelines
Maintain detailed, accurate account documentation and customer communication records
Resolve escalated customer disputes, discrepancies, and complex account issues
Ensure all activities align with company policies, FHA, VA, FNMA, FHLMC, Fair Debt Collection Practices, and bankruptcy regulations
Manage multiple priorities in a fast-paced, team-oriented environment
Qualifications:
High School Diploma or GED required
Some college preferred
Minimum 3 years of experience in collections, loss mitigation, mortgage servicing, or related financial services
Strong understanding of investor guidelines (FHA, VA, FNMA, FHLMC)
Knowledge of Fair Debt Collection Laws, bankruptcy procedures, and regulatory compliance
Excellent verbal and written communication skills
Strong negotiation, problem-solving, and conflict resolution abilities
Advanced organizational and time-management skills
Proficiency in Microsoft Office Suite and computer systems

Equal Opportunity Employer / Disabled / Protected Veterans

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For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

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We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.

Additional Skills

(none specified)