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Loss Mitigation Negotiator Jobs (NOW HIRING)

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.

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 ...

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 ...

Hyundai Capital

Loss Mitigation Associate

Plano, TX · On-site

$39K - $58K/yr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Hyundai Capital America

Loss Mitigation Associate

Plano, TX · On-site

$16.75 - $23/hr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Hyundai Capital

Loss Mitigation Associate

Atlanta, GA · On-site

$39K - $58K/yr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Hyundai Capital America

Loss Mitigation Associate

Atlanta, GA · On-site

$16.75 - $23/hr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Hyundai Capital

Loss Mitigation Associate

Plano, TX

$16.25 - $22.50/hr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Hyundai Capital

Loss Mitigation Associate

Atlanta, GA · On-site

$16.75 - $22.75/hr

Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing ...

Collabera

Loss Mitigation Specialist

Lewisville, TX · On-site

Persuasive negotiation skills * Microsoft Windows and Internet-based applications experience required * Basic typing/data entry skills * Strong ability to identify potential loss situations and make ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY · On-site

$20.55 - $34.25/hr

Understand investor's waterfall and required documents for loss mitigation. * Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY · On-site

$20.55 - $34.25/hr

Understand investor's waterfall and required documents for loss mitigation. * Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY · On-site

$20.55 - $34.25/hr

Understand investor's waterfall and required documents for loss mitigation. * Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY

$20.55 - $34.25/hr

Understand investor's waterfall and required documents for loss mitigation. * Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY

$20.55 - $34.25/hr

Understand investor's waterfall and required documents for loss mitigation. * Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss ...

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How much do loss mitigation negotiator jobs pay per hour?

As of Sep 1, 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 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.

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.

How to become a loss mitigation negotiator?

To become a loss mitigation negotiator, candidates typically need a high school diploma or equivalent, with some roles preferring a bachelor's degree in finance, business, or a related field. Relevant skills include strong communication, negotiation, and analytical abilities, and experience in customer service or collections can be beneficial. Certification is not mandatory but can enhance prospects, and familiarity with loan servicing software is often required.
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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 72% Full Time, 26% 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.

Specialist, Loss Mitigation, V1

Carrington Holding Company, LLC

Phoenix, AZ • On-site

$24.50/hr

Full-time

Medical, Retirement

Posted 23 days ago

Job description


Come join our amazing team and work at our office in Phoenix, AZ
Job Summary
As a Loss Mitigation Specialist, you will be responsible for educating borrowers on CMS' Loss Mitigation alternatives with the objective of retaining home ownership and avoiding foreclosure, including Loan Modifications, Partial Claims, Repayment Plans, Forbearances and Reinstatements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The approved starting pay for this role is $24.50/hr plus a monthly performance bonus.
What You'll Do
  • Handle inbound calls routed through IVR as well as internal transfers to determine borrowers' intent to retain property, discuss foreclosure alternatives, and provide eligibility criteria/information,
  • Make outbound calls on all assigned loans in pipeline to follow up on collection of signed trial agreements, repay agreements, and final loan modification documents.
  • Communicate approval or denial of a loss mitigation workout option, and handle general questions regarding account information.
  • Review borrowers' financial hardship documentation to determine the best work-out option, depending upon their current financial status and whether it is a short-term or long-term hardship
  • In a denial case, engage borrowers' interest and participation in a loss mitigation liquidation option and route borrower to the loss mitigation liquidation team.
  • Provide information to borrowers relating to Title issues that may be impeding finalization of a modification.
  • Maintain consistent attendance to ensure fulfillment of essential duties and responsibilities.
  • Communicate the options available to the borrower for resolving the delinquency or imminent default, the actions the borrower must take to be considered for those options, the timing requirements for completion of actions by the borrower and the servicer, and the status of the servicer's evaluation of the borrower for those options.
  • Notify the Intake team when it appears that an error may have occurred in Intake regarding missing or unacceptable documents
  • Being knowledgeable about the borrower's situation and current status in the entire delinquency or imminent default resolution process, including any Loss Mitigation or non-foreclosure liquidation options.
  • Assist borrowers who request to escalate a complaint or dispute a reason for non-approval, in contacting the servicer's staff handling Escalated Cases and, upon request, must provide contact information for MHA Help
  • Perform other duties as assigned.

What You'll Need
  • High school diploma or equivalent required. Some college courses in business, accounting or finance preferred.
  • One (1) or more years' experience in collections, loss mitigation or call center within a mortgage servicing environment required.
  • Full State NMLS licensing required within 6 months of entering this job.
  • Knowledge of mortgage industry terminology preferred
  • Working knowledge of all Government program requirements and timelines, including FHA, VA, USDA, FNMA and FHLMC.
  • Knowledge of Microsoft Suite at an intermediate level required
  • Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints
  • Ability to make decisions that have significant impact on the department's credibility, operations, and services
  • Ability to organize and prioritize own work schedule on a short-term basis (longer than one month) and within allotted work schedule timelines
  • Ability to add, subtract, multiply, and divide and to record, balance, and check results for accuracy
  • Ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly

Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more, visit: www.carringtonmortgage.com.
What We Offer:
  • Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
  • Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
  • Customized training programs to help you advance your career.
  • Employee referral bonuses so you'll get paid to help Carrington and Vylla grow.
  • Educational Reimbursement.
  • Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

Notice to all applicants: Carrington does not do interviews or make offers via text or chat.
About Us
Carrington Mortgage Services is a fully integrated mortgage company with mortgage lending and servicing operations and an affiliated real estate brokerage. We are part of Carrington Holding Company, LLC , which owns and operates multiple businesses that cover virtually every aspect of single family residential real estate transactions.

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