SPOC Sr. Collections Specialist - Jacksonville, FL

Canon Recruiting Group•Jacksonville, FL

1d•Onsite

About The Position

The Sr. Collections Specialist, also known as a Single Point of Contact (SPOC), is responsible for managing complex collections and loss mitigation activities. This role serves as the primary liaison for borrowers, guiding them through delinquency resolution and evaluating home retention or liquidation options. The ideal candidate is highly analytical, customer-focused, and experienced in navigating sensitive financial situations while ensuring compliance with investor and regulatory guidelines.

Requirements

Minimum 3+ years of experience in collections, loss mitigation, or mortgage servicing.
Strong knowledge of investor guidelines (FHA, VA, FNMA, FHLMC).
Understanding of Fair Debt Collection Practices, U.S. Bankruptcy Code, and related regulations.
Excellent communication, negotiation, and active listening skills.
Strong analytical and problem-solving abilities.
High attention to detail with strong organizational and time management skills.
Ability to manage multiple priorities in a fast-paced environment.
Proficiency in Microsoft Office (Excel, Word, Outlook).
Ability to interpret complex financial and legal documents.

Nice To Haves

Some college coursework preferred.

Responsibilities

Serve as the primary point of contact for borrowers regarding collections and loss mitigation inquiries.
Conduct inbound and outbound calls to resolve delinquent accounts.
Analyze borrower financials to determine eligibility for retention options (e.g., forbearance, loan modifications) or liquidation solutions (e.g., short sale, deed in lieu).
Negotiate payment arrangements and recommend appropriate solutions.
Maintain accurate, detailed documentation of all customer interactions and account activity.
Resolve complex account issues, escalations, and disputes with professionalism.
Ensure compliance with investor guidelines, company policies, and regulatory requirements.
Partner with internal teams to support account resolution and process efficiency.