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Hardship Jobs (NOW HIRING)

NC SECU

Monitor and continuously refine loss mitigation hardship application intake processes, including timelines for initial contact, application delivery, and document submission milestones, to ensure ...

Vacatia

Join Vacatia and Help Deliver Compassionate, High-Impact Solutions for Owners Facing Financial Hardship Location: Fort Lauderdale, FL Vacatia is an innovative hospitality company reinventing the ...

Beyond Finance

Client Retention Specialist (Remote)

Columbus, OH · On-site +1

$13.75 - $18.75/hr

You will play a crucial role in retaining clients within the Beyond Finance financial hardship debt program. In this position, you will interact with clients primarily through inbound phone calls and ...

Beyond Finance

Client Retention Specialist (Remote)

Austin, TX · On-site +1

$14 - $19.25/hr

You will play a crucial role in retaining clients within the Beyond Finance financial hardship debt program. In this position, you will interact with clients primarily through inbound phone calls and ...

Andrew QA Site

Alternate Position

Schenectady, NY · On-site

$70K - $100K/hr

Provides support and documentation as needed, communicate to EMT workout and hardship extension recommendations and monitor Third Party productivity and work quality, including monitoring call ...

KFC

Shift Supervisor

Wilkes Barre, PA

$14.50 - $18.25/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Team Member

Kingston, PA

$11.50 - $15/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Shift Supervisor

Williamsport, PA

$13.50 - $17.25/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Team Member

Wilkes Barre, PA

$11.50 - $15/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Team Member

Williamsport, PA

$11 - $14.25/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Shift Supervisor

Mansfield, PA

$13.25 - $16.75/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Shift Supervisor

Bloomsburg, PA

$13.75 - $17.25/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

KFC

Team Member

Lock Haven, PA

$11.25 - $14.75/hr

S. restaurant employees through education, hardship assistance and personal finance programs.- Reach Program: Helps KFC restaurant employees pursue their dreams of going to college.- Rise Program:

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Hardship information

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$8

$26

$61

How much do hardship jobs pay per hour?

As of May 31, 2026, the average hourly pay for hardship in the United States is $26.34, according to ZipRecruiter salary data. Most workers in this role earn between $15.14 and $30.77 per hour, depending on experience, location, and employer.

What are some common challenges faced by hardship coordinators when supporting employees experiencing personal or financial difficulties?

Hardship coordinators often encounter challenges such as navigating sensitive conversations, balancing confidentiality with the need to coordinate resources, and ensuring timely access to support services. They must remain empathetic while maintaining professional boundaries and may need to handle multiple cases simultaneously, each with unique circumstances. Building trust with employees and collaborating effectively with HR, management, and external agencies are essential for successful outcomes.

What are hardship jobs?

Hardship jobs refer to positions located in areas or under conditions that are considered difficult, challenging, or less desirable due to factors such as remoteness, limited access to amenities, harsh climate, political instability, or safety concerns. These jobs often offer additional compensation or benefits to attract and retain employees willing to work under such circumstances. Hardship jobs are common in international organizations, humanitarian work, and some government agencies, where staff may be required to operate in less developed or high-risk regions.

What is the difference between Hardship vs Paralegal?

AspectHardshipParalegal
Required CredentialsVaries; often no formal certification neededAssociate's degree or paralegal certification
Work EnvironmentLegal settings, courts, law firmsLaw firms, corporate legal departments, government agencies
Industry UsageLegal, social services, nonprofitLegal industry primarily
Common Search/ComparisonHardship vs ParalegalHardship and Paralegal are often compared in legal contexts, focusing on roles within the legal system

Hardship and Paralegal roles differ mainly in credentials and responsibilities. Hardship may refer to legal or social challenges, while Paralegals assist lawyers with legal tasks. Understanding these differences helps job seekers find the right position in the legal field.

More about Hardship jobs
What states have the most Hardship jobs? States with the most job openings for Hardship jobs include:
What job categories do people searching Hardship jobs look for? The top searched job categories for Hardship jobs are:
Hardship jobs near you
Infographic showing various Hardship job openings in the United States as of May 2026, with employment types broken down into 78% Full Time, and 22% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $54,791 per year, or $26.3 per hour.
Mortgage Hardship Specialist

Mortgage Hardship Specialist

VyStar Credit Union

Jacksonville, FL • On-site

Full-time

Retirement

Posted 18 days ago

VyStar Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

Job description

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Mortgage Hardship Specialist
ACCOUNTABILITY STATEMENT
The mortgage loan hardship specialist processes mortgage financial hardship requests, modifications and HELOC maturity requests received from members. The incumbent is expected to perform multiple duties; they act as a loan processor and are responsible for reviewing documents received, calculating debt ratio, pulls credit report and automated valuation, makes a recommendation to management of a solution for the borrower based on file review. Upon approval of the member's request, the incumbent prepares the closing package for member signatures, preforms all core system maintenance within department timelines and completes quality control functions on the closing package and system changes to ensure accuracy. All activities related to processing a mortgage hardship request must be conducted timely in compliance with credit union policies, private mortgage insurance guidelines, secondary market servicing guidelines, and federal and state regulations. The incumbent will report to the Mortgage Loss Mitigation Supervisor.
ESSENTIAL FUNCTIONS
  • Reviews incoming mortgage loan hardship, modification and HELOC maturity requests and accompanying documentation for completeness.
  • Pulls and reviews credit report to ensure the accurate calculation of housing to income and debt to income ratios, reviews Automated Valuation to determine property value.
  • Prepares required hardship departmental worksheets and makes a recommendation to management based on their review that will best assist the member based on their specific situation.
  • Communicates final hardship decision to the member, including terms and conditions of hardship approval or reasons for a hardship declination and schedules date/time/location for member to execute mortgage modification documentation.
  • Prepares and sends notice of adverse action for denied mortgage loan hardship requests.
  • Completes the core system mortgage loan changes required to ensure loan is serviced in conjunction with the terms and conditions of approved mortgage modification.
  • Notates special payment arrangements in credit union collection system throughout the mortgage modification process. Makes special payment arrangements with member(s) during hardship review process to confirm member's willingness to make mortgage payments.
  • Cross-trained to work the collection system queues to ensure each delinquent account has been followed for activity and account is accurately documented in the core collections systems.
  • Identify and make recommendations to Mortgage Loss Mitigation Supervisor and/or Mortgage Servicing Manager regarding process improvements, quality service and increased efficiencies.
  • Performs other duties as assigned.
  • Cross-sells other credit union services.
  • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:
  • Focus - Focus your full attention by carefully listening to and observing client or member.
  • Connect - Consistently be friendly and approachable. Demonstrate your care.
  • Understand - Listen empathetically and ask questions (70%/30% rule).
  • Counsel - Recommend solutions based on your member's needs and objectives.
  • Advance - Ensure that member's expectations were exceeded. Verify necessary follow-up actions.

JOB QUALIFICATIONS AND EXPERIENCE
  • Three + years' experience in customer service, collections or mortgages with a financial institution.
  • Knowledge of federal and state regulations related to mortgage lending such as the Equal Credit Opportunity Act, Truth in Lending Act, Real Estate Settlement Procedures Act as well as the regulations related to collection activities such as the Fair Credit Reporting Act, Fair Debt Collections Practice Act (FDCPA), and Federal Bankruptcy Laws. In addition, the incumbent must stay abreast of loss mitigation guidelines for the private mortgage insurance companies and secondary market servicing guidelines.
  • Applicant must have positive, well-developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, the ability to work in a fast-paced environment, and proven ability to work with others.
  • Must have professional conduct and appearance and be self-motivated. Must work under the philosophy of "people helping people" and be able to communicate with members and legal counsel at all levels. Applicants must demonstrate the qualities of a self-starter and one who follows through on all job duties.
  • Equipment to be used in the daily performance of job duties include PC, and multi-function equipment (fax, scanner, and copier) is required.
  • Knowledge of all Microsoft Office applications and credit union software and/or core operating systems pertinent to completing various tasks and responsibilities of the position is required.

EDUCATION/TRAINING
  • The minimum formal education required is completion of high school. Specialized classes in financial counseling, foreclosure, short sales, deed in lieu and bankruptcy is preferred. Must be knowledgeable of the state/federal regulations governing mortgage collections and modification documentation. The incumbent must be well versed in secondary market servicing guidelines specific to the collection activities and workout agreements.
  • Continuing education via local conferences and workshops is required for updates on federal and state regulations.

DISCLAIMERS AND WORK ENVIRONMENT
The work environment characteristics described here are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Nothing in this position description is an implied contract for employment. The functions are not all encompassing and are subject to change at any time by management.
As required or requested, may exert up to 20 pounds of force occasionally and/or negligible amount of force constantly to lift, carry, push, pull, or otherwise move objects.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources

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