Collections Specialist

Description We are looking for a detail-oriented Collections Specialist to join our team in Minnesota in a contract capacity with the potential for a permanent role. This position supports mortgage and consumer collection activities through account follow-up, delinquency review, documentation handling, and compliance-focused communication. The ideal candidate brings strong organizational skills, sound judgment, and the ability to manage sensitive financial information while delivering accurate and timely support.

Responsibilities:

• Conduct outbound outreach to customers based on delinquency and account status reports to help resolve past-due balances.
• Review accounts to identify appropriate collection or loss mitigation next steps and document activity with accuracy.
• Prepare and send required notices, letters, and supporting documentation in accordance with internal procedures and regulatory expectations.
• Maintain complete and up-to-date records of collection efforts, delinquency status, and account-level actions.
• Communicate with investors, insurers, and other external partners regarding loan status, workout activity, foreclosure alternatives, bankruptcy matters, and related collection issues.
• Assist with modification request processing and ensure reporting is completed correctly for applicable loan programs.
• Compile delinquency and portfolio reports for leadership, investors, and other stakeholders as needed.
• Support training efforts for new or existing team members and contribute to the achievement of departmental performance goals.
• Stay informed on consumer protection requirements, mortgage servicing standards, and company policies while safeguarding confidential information.
• Please note that all candidates are required to provide 2 recent supervisor or manager references in order to be considered for employment. Please submit your resume and call 651-293-3973 for review and consideration. Requirements
• Knowledge of mortgage lending and collections practices, including applicable federal and state regulatory requirements.
• Experience handling consumer or commercial collections, account reconciliation, or related credit and billing collection activities.
• Proficiency with Microsoft Office and the ability to learn and navigate loan servicing or mortgage software effectively.
• Strong written and verbal communication skills for reporting, correspondence preparation, and attentive interactions.
• Ability to analyze account issues, gather relevant information, and make sound decisions based on documented facts.
• Familiarity with compliance resources such as AllRegs and awareness of investor or agency guideline requirements.
• Capability to work scheduled business hours and attend off-site meetings or assignments when necessary.
• Experience with mortgage servicing and workout platforms is preferred, including tools used for loan tracking, investor connectivity, and loss mitigation support.

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