Loss Mitigation Specialist | Start date February 2nd, 2026

American Credit Acceptance • Spartanburg, SC

4d

About The Position

This Loss Mitigation class will begin on February 2nd, 2026. At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation —and that mission doesn’t stop once a contract is signed. As a Loss Mitigation Specialist , you play a critical role in supporting customers through some of the most challenging moments of their financial journey. This role blends service, problem-solving, and risk management. You will work directly with customers, impound lots, attorneys, insurance representatives, and internal partners to resolve delinquent accounts, minimize potential losses, and keep customers moving forward. Through every interaction, you’ll be guided by our commitment to partnership , integrity , and creating meaningful work that brings fulfillment to both you, your team, and the customers you serve. And you won't do it alone— comprehensive training is provided , equipping you with the tools, knowledge, and support needed to confidently navigate each area of Loss Mitigation. Whether you’re new to the industry or building on prior experience, you’ll have a clear path to success. About Loss Mitigation: Reinstatements & Settlements In Reinstatements and Settlements, you will work most directly with customers who want to keep their vehicle or resolve their account. These teams focus on understanding each customer’s situation, asking the right questions, and creating clear paths forward. You’ll support customers by: Reviewing account history and current circumstances Helping them understand the options available Working with them to reinstate loans or negotiate settlements Setting up realistic plans that support both the customer and the business These teams combine service, problem-solving, and relationship-building to help customers stay on the road while minimizing potential loss.

Requirements

• Strong problem-solving skills with the ability to prioritize in a fast-paced environment
• Experience working between emails, phones and multiple screens
• High attention to detail and accuracy
• Excellent written and verbal communication skills
• 2+ years of experience in collections, call center, customer service, or similar (preferred)

Responsibilities

• Analyze each customer’s situation and collateral risk, then present clear solutions that support customer stability and company goals.
• Use tools, technology, and strong critical thinking to identify the best path forward—whether that’s payment arrangements, settlements, or other options.
• Partner closely with customers, internal teams, and external partners (attorneys, repossession vendors, insurance companies) to resolve challenges in a way that protects both the customer and the business.
• Communicate with empathy and professionalism to de-escalate situations, build trust, and move problem accounts toward successful resolution.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed
• Number of Employees: 1,001-5,000 employees