Credit and Collections Specialist

About the Role We're seeking a Borrower Solutions and Loss Mitigation Specialist to join our Loan Servicing team. In this role, you'll work closely with mortgage and auto lease borrowers who are experiencing payment challenges. This position plays a critical role in borrower communication, delinquency management, and loss mitigation reporting across both mortgage and auto lease portfolios.

Preferred Qualifications:

Experience in banking, mortgage collections, loan servicing, or other financial services roles involving borrower support and sensitive financial conversations.

What We're Looking For Problem-Solver:

Skilled at identifying causes of delinquency and recommending appropriate repayment or hardship solutions within investor guidelines

Strong Communicator:

Ability to professionally and empathetically communicate with borrowers, credit unions, and investors via phone, email, and written correspondence

Detail-Oriented:

Able to manage time-sensitive tasks, maintain accurate documentation, and ensure regulatory compliance

Self-Motivated:

Comfortable managing workflow, deadlines, and reporting independently

Education & Experience:

Minimum of two years of experience in the financial industry What You'll Do Your daily responsibilities may include:

• Communicate with borrowers to resolve delinquency and payment-related issues through phone and email
• Review accounts to identify causes of delinquency and discuss repayment or hardship assistance options
• Process and document loss mitigation and hardship requests in compliance with investor and regulatory guidelines
• Generate required delinquency notices and maintain accurate borrower and account records
• Coordinate with investors, agencies, credit unions, and internal servicing teams to report status, resolve discrepancies, and prepare reports Our Benefits Package 401(k) with employer matching Medical, dental, and vision insurance Life, AD&D, short-term and long-term disability coverage Paid time off Team-building events and employee recognition Professional development opportunities About Centennial Lending Centennial Lending is a dynamic and growing Credit Union Service Organization based in Firestone, CO.

We specialize in a wide range of financial products and servicing solutions, including conventional, FHA, VA, and USDA mortgages, as well as auto lease servicing. Through our strong partnerships with credit unions and their members, we are committed to delivering exceptional service and meaningful financial solutions. Ready to Join Us? If you're looking for a rewarding opportunity in a collaborative and growth-focused environment, we'd love to hear from you. Apply today and become part of the Centennial Lending team.

Learn more about our company:

www.centennial-lending.com

Job Type:

Full-time Pay:

$23.00 - $25.00 per hour

Benefits:

401(k) 401(k) matching Dental insurance Health insurance Health savings account Life insurance Paid time off Vision insurance

Work Location:

Hybrid remote in Firestone, CO 80504