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United Wholesale Mortgage · 13 hours ago

Late Stage Collections Specialist

US-MI-Pontiac

Full-time

Onsite

Entry, Mid Level

2+ years exp

United Wholesale Mortgage is seeking a Late Stage Collections Specialist to assist borrowers who are significantly delinquent on their mortgage payments. The role involves engaging with borrowers to guide them toward positive resolutions while ensuring compliance and delivering a compassionate client experience.

FinanceFinancial ServicesMortgage

Responsibilities

Proactively contact borrowers in late-stage delinquency to review account status and recommend appropriate resolution strategies

Explain UWM’s available workout and loss mitigation options, including repayment plans, loan modifications, forbearance, short sales, and deeds-in-lieu of foreclosure

Document all communications and borrower activities thoroughly and accurately in servicing systems (e.g., MSP)

Collaborate across internal teams including Foreclosure, Loss Mitigation, Legal, and Compliance to ensure timely and effective handling of defaulted accounts

Follow regulatory guidelines from CFPB, RESPA, FDCPA, and investor requirements (e.g., Fannie Mae, Freddie Mac, FHA)

Prepare accounts for foreclosure referral or suspension based on borrower responsiveness and eligibility

Deliver a best-in-class borrower experience with empathy and professionalism during difficult conversations

Meet or exceed individual and team performance metrics while upholding UWM’s culture of excellence

Qualification

Mortgage servicing experienceForeclosure process knowledgeLoss mitigation strategiesRegulatory compliance knowledgeMicrosoft Office proficiencyBilingual skillsCommunication skillsAttention to detail

Required

High school diploma or equivalent (GED)

2–4 years of experience in mortgage servicing, default collections, or loss mitigation

Strong knowledge of foreclosure processes and late-stage delinquency regulations

High attention to detail and ability to manage sensitive, time-critical accounts

Excellent verbal and written communication skills

Ability to thrive in a high-volume, compliance-focused environment

Strong computer skills; comfort with Microsoft Office and mortgage servicing platforms (e.g., MSP)

Preferred

Associate's or Bachelor's degree in Business, Finance, or related field

Experience with Fannie Mae, Freddie Mac, FHA, or VA loss mitigation guidelines

Bilingual skills (especially Spanish)

Familiarity with UWM systems and servicing workflows

Benefits

Paid Time Off (PTO) after just 30 days

Additional parental and maternity leave benefits after 12 months

Adoption reimbursement program

Paid volunteer hours

Paid training and career development

Medical, dental, vision and life insurance

401k with employer match

Mortgage discount and area business discounts

Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court

Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon

Gourmet cafeteria featuring homemade breakfast and lunch

Convenience store featuring healthy grab-and-go snacks

In-house Starbucks and Dunkin

Indoor/outdoor café with Wi-Fi