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Loss Mitigation Negotiator Jobs (NOW HIRING)

Hyundai Capital

Loss Mitigation Associate

Atlanta, GA · On-site

$39K - $58K/yr

WHAT YOU WILL DO The Loss Mitigation Associate is responsible for managing and resolving an ... Conduct inbound and outbound collection activities, including negotiating payment arrangements ...

Selene Holdings

Loss Mitigation Specialist

Dallas, TX · On-site

The Loss Mitigation Specialist has proven mastery of the requirements of the Loss Mitigation Specialist position. It will act as the Single Point of Contact (SPOC) and is assigned a portfolio of non ...

M&T Bank

Loss Mitigation Underwiter III

Getzville, NY

$26 - $43.34/hr

Understand investor waterfalls and required documents for loss mitigation. * Manage and monitor account portfolio to ensure that all documentation and account decisions comply with banking policies ...

M&T Bank

Loss Mitigation Underwiter III

Getzville, NY · On-site

$26 - $43.34/hr

Understand investor waterfalls and required documents for loss mitigation. * Manage and monitor account portfolio to ensure that all documentation and account decisions comply with banking policies ...

Vacatia

Your work directly influences loss mitigation outcomes, owner satisfaction, and the financial ... Strong negotiation and persuasion skills, with the ability to build rapport and reduce conflict.

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How much do loss mitigation negotiator jobs pay per hour?

As of Aug 9, 2026, the average hourly pay for loss mitigation negotiator in the United States is $23.76, according to ZipRecruiter salary data. Most workers in this role earn between $18.99 and $27.40 per hour, depending on experience, location, and employer.

What does a loss mitigation negotiator do?

A typical day for a Loss Mitigation Negotiator involves reviewing delinquent accounts, contacting borrowers to discuss their financial situations, and exploring options such as loan modifications, repayment plans, or short sales. You’ll spend much of your time on the phone or using email to negotiate workable solutions, while also gathering documentation and collaborating with underwriters, attorneys, and management. The role may also require regular reporting and close monitoring of account statuses. This fast-paced environment rewards strong organization, initiative, and a proactive approach to problem-solving.

What are the key skills and qualifications needed to thrive as a loss mitigation negotiator?

To thrive as a Loss Mitigation Negotiator, you need knowledge of mortgage lending, default management, and foreclosure processes, typically supported by experience in banking or finance. Familiarity with loan servicing software, mortgage documentation systems, and regulatory compliance tools is highly valued. Strong negotiation, problem-solving, and customer service skills are crucial for successfully resolving borrower delinquency. These capabilities ensure effective communication and solutions that benefit both the borrower and the lender while minimizing losses.

What is a loss mitigation negotiator?

A Loss Mitigation Negotiator helps homeowners, businesses, or borrowers prevent foreclosure or financial loss by negotiating alternatives with lenders. They analyze financial situations, review loan terms, and propose solutions like loan modifications, short sales, or repayment plans. Their goal is to assist borrowers in securing manageable repayment terms while minimizing risk for the lender. Strong communication, financial analysis, and negotiation skills are essential for success in this role.

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What job categories do people searching Loss Mitigation Negotiator jobs look for? The top searched job categories for Loss Mitigation Negotiator jobs are:
Loss Mitigation Negotiator jobs near you
Infographic showing various Loss Mitigation Negotiator job openings in the United States as of August 2026, with employment types broken down into 73% Full Time, 25% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $49,422 per year, or $23.8 per hour.

Loss Mitigation Associate

Hyundai Capital

Atlanta, GA • On-site

$39K - $58K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 6 days ago

Job description

Description
Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.
We're a company driven by growth, innovation, and people. At HCA, you'll find opportunities to build new skills, expand your career, and make a real impact-while working in a diverse, inclusive, and values-driven environment. We're proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.
If you're looking for a fast-paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.
WHAT YOU WILL DO
The Loss Mitigation Associate is responsible for managing and resolving an assigned portfolio of delinquent accounts from 80 days past due through charge-off. This role performs account research, customer contact activities, skip tracing, and repayment negotiations to mitigate losses and support account resolution outcomes within established policies, procedures, and approval guidelines. This role ensures compliance with internal policies, regulatory requirements, and documentation standards while contributing to departmental performance objectives.
HOW YOU WILL MAKE AN IMPACT
1. Portfolio Management, Account Research & Resolution
  • Manage an assigned portfolio of delinquent accounts ranging from 80 days past due to charge-off, applying established collection practices to support payment resolution, cure delinquencies, and minimize charge-offs while adhering to queue management standards.
  • Review account histories, payment behavior, customer circumstances, and relevant account information to assess risk and identify appropriate next steps within established resolution guidelines.
  • Monitor account status and progression through the collection lifecycle, ensuring timely follow-up and adherence to established queue management standards.
  • Apply approved account resolution options and take appropriate actions within defined policies, procedures, and approval limits to support recovery outcomes and minimize losses.
  • Collaborate with internal business partners and escalate complex or exception-based account issues as needed to facilitate timely and effective account resolution.

2. Inbound / Outbound Collections & Negotiations
  • Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing customer circumstances and company objectives.
  • Utilize approved skip tracing tools, internal systems, and available resources to locate customers and obtain updated contact information.

3. Documentation, Compliance & Account Administration
  • Document all activity accurately and thoroughly within servicing systems to ensure compliance and support future collection efforts.
  • Review account records for accuracy and completeness while performing required account maintenance and administrative activities.
  • Ensure all collection activities are conducted in compliance with company policies, departmental procedures, and applicable federal, state, and regulatory requirements.
  • Protect confidential customer information and maintain adherence to privacy, security, and data governance standards.
  • Participate in required training and continuously apply established procedures, controls, and best practices to support operational effectiveness and performance.

Qualifications
WHAT YOU WILL BRING TO THE ROLE
  • Minimum 2-4 years of experience in late-stage collections, loss mitigation, delinquency management, or account recovery activities including using skip tracing tools.
  • Automotive finance, consumer lending, banking, or financial service industry experience preferred.
  • High school diploma or GED
  • Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices.
  • Strong account research, analytical, and problem-solving skills with the ability to evaluate account
  • history, payment patterns, customer circumstances, and risk factors to identify appropriate next
  • steps within established guidelines.
  • Effective communication and negotiation skills with the ability to secure customer commitments,
  • address objections, and navigate difficult conversations professionally and empathetically.
  • Ability to prioritize a high-volume workload, manage multiple accounts, and meet performance
  • expectations in a metric-driven environment.
  • Ability to use skip tracing tools, account servicing systems, and Microsoft Office applications to
  • support account resolution activities.
  • Ability to interpret and apply company policies, departmental procedures, and applicable regulatory
  • requirements.
  • Proven track record with delivering seamless customer experiences.
  • Ability to thrive in a performance coaching environment.

WE TAKE CARE OF OUR PEOPLE
At HCA, our people drive our success. That's why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing-at work and beyond.
Benefits Highlights
  • Vehicle perks - monthly vehicle allowance plus purchase and lease discounts
  • Comprehensive health coverage - medical, dental, and vision plans
  • Employer-funded HSA contributions to help reduce healthcare costs
  • 401(k) with company match and immediate vesting from day one
  • 100% company-paid life and disability insurance
  • Wellbeing benefits including fitness and health resources
  • Leadership programs and career development that support continuous learning
  • Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrive-personally and professionally.
WHAT HAPPENS NEXT
Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page.
OTHER DETAILS
Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace-because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.
California Privacy Notice
This notice only applies to our applicants who reside in the State of California.
The latest version of our Privacy Policy can be found here . This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as by the California Privacy Rights Act of 2020 ("CCPA").
If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com .

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