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Mortgage Collections Jobs (NOW HIRING)

M&T Bank

Loss Mitigation Processor (SPOC)

Getzville, NY · On-site

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY

$20.55 - $34.25/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 ...

M&T Bank

Loss Mitigation Underwriter I

Getzville, NY · On-site

$20.55 - $34.25/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 ...

Citizens Bank

Collection Recovery Sr Specialist

Irving, TX · On-site

$17.25 - $23.25/hr

Preferred: * 2-3 years prior experience in mortgage collections or loss mitigation. * Knowledge of Fair Debt Collection Practices and mortgage regulations. * Experience with MSP/Black Knight systems.

M&T Bank

Loss Mitigation Liaison I

Getzville, NY · On-site

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

M&T Bank

Loss Mitigation Liaison I

Getzville, NY · On-site

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

M&T Bank

Loss Mitigation Liaison I

Getzville, NY

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

Citizens

Collection Recovery Sr Specialist

Irving, TX · Hybrid

$17.25 - $23.25/hr

Preferred: * 2-3 years prior experience in mortgage collections or loss mitigation. * Knowledge of Fair Debt Collection Practices and mortgage regulations. * Experience with MSP/Black Knight systems.

M&T Bank

Loss Mitigation Liaison I

Getzville, NY

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

Citizens

Collection Recovery Sr Specialist

Irving, TX · Hybrid

$17.25 - $23.25/hr

Preferred: * 2-3 years prior experience in mortgage collections or loss mitigation. * Knowledge of Fair Debt Collection Practices and mortgage regulations. * Experience with MSP/Black Knight systems.

M&T Bank

Loss Mitigation Liaison I

Getzville, NY · On-site

$22.61 - $37.67/hr

Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 ...

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Mortgage Collections information

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How much do mortgage collections jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for mortgage collections in the United States is $21.46, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $24.04 per hour, depending on experience, location, and employer.

What is mortgage collections?

Mortgage collections refer to the process by which lenders attempt to recover payments on overdue or defaulted mortgage loans. When a borrower falls behind on their mortgage payments, the collections department contacts them to discuss repayment options, set up payment plans, and help them bring their account current. If the borrower fails to resolve the delinquency, the lender may eventually begin foreclosure proceedings to recover the property. Mortgage collections professionals aim to work with borrowers to prevent foreclosure whenever possible.

What are the key skills and qualifications needed to thrive as a mortgage collections specialist?

To thrive as a Mortgage Collections Specialist, you need a good understanding of loan servicing, debt collection practices, and relevant regulations such as the Fair Debt Collection Practices Act (FDCPA), often supported by experience in finance or banking. Familiarity with loan management software, CRM systems, and collections databases is typically required. Strong negotiation, active listening, and problem-solving skills help you work effectively with borrowers and resolve delinquent accounts. These abilities ensure compliance, minimize losses for lenders, and maintain positive customer relationships in a challenging environment.

What are some common challenges faced in a mortgage collections role, and how can they be managed?

Professionals in Mortgage Collections often encounter challenges such as dealing with emotionally charged conversations, navigating complex financial situations, and adhering to regulatory requirements. Success in this role requires strong communication skills to empathize with borrowers while still enforcing payment arrangements. Staying organized and up-to-date with compliance standards is essential, as is collaborating effectively with team members in loss mitigation, customer service, and legal departments. Regular training and support from management can help address these challenges and provide opportunities for skill development.

What is the difference between Mortgage Collections vs Mortgage Underwriting?

AspectMortgage CollectionsMortgage Underwriting
Primary RoleManaging overdue mortgage payments and contacting borrowers to resolve delinquenciesAssessing loan applications, verifying financial information, and approving or denying mortgage loans
Required SkillsCommunication, negotiation, knowledge of mortgage policiesFinancial analysis, attention to detail, credit evaluation
Work EnvironmentCollections departments, call centers, financial institutionsLoan processing teams, underwriting departments, banks
CertificationsTypically none required, but mortgage or collections certifications can helpMortgage licensing, financial certifications (e.g., CFP, CPA) often preferred

Mortgage Collections focuses on managing overdue payments and recovering delinquent accounts, while Mortgage Underwriting involves evaluating loan applications to determine creditworthiness. Both roles are essential in the mortgage industry but serve different functions in the loan lifecycle.

How much do mortgage collections make?

Mortgage collections specialists typically earn between $35,000 and $55,000 annually, depending on experience, location, and employer. Salaries can increase with certifications, such as the Certified Collections Professional (CCP), and experience in debt recovery or financial services. Some roles may also include bonuses or commissions based on recovery performance.
More about Mortgage Collections jobs
What cities are hiring for Mortgage Collections jobs? Cities with the most Mortgage Collections job openings:
What states have the most Mortgage Collections jobs? States with the most job openings for Mortgage Collections jobs include:
What job categories do people searching Mortgage Collections jobs look for? The top searched job categories for Mortgage Collections jobs are:
Mortgage Collections jobs near you
Infographic showing various Mortgage Collections job openings in the United States as of August 2026, with employment types broken down into 83% Full Time, 13% Part Time, 1% Temporary, and 3% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $44,646 per year, or $21.5 per hour.

Collections Team Member II, Full-Time, Remote (MA or NH only)

First Technology Federal Credit Union

Charleston, WV • Remote

$21.50/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 16 days ago

Job description

Description

Contact all members with delinquent accounts greater than 60 days past due. Effectively manage assigned portfolio and make charge-off, repossession, and foreclosure recommendations to Management. Assist members in restoring their good standing status with the Credit Union. Also responsible for maintaining the financial soundness of the Credit Union, as well as contributing to the department's ongoing effort to manage the asset quality by achieving the lowest possible delinquency and charge-off ratios.

Here’s what you can expect from the job and what you need to be successful:

What You’ll Do :

  • Exercising appropriate phone etiquette, answer incoming member or member-related contacts (phone calls, emails, faxes, etc.), work Collection queues and make outbound member calls.
  • Review and document status of accounts and initiate telephone contact on delinquent loans Research accounts on the delinquent loan reports to ensure Credit Union errors are detected promptly and corrected.
  • Prepare correspondence on delinquent accounts requiring special handling including contacting members by USPS mail, certified or email.
  • Utilize Collections system to document accurately
  • Determine reason for delinquency and refer members to BALANCE when necessary or beneficial to the member
  • Establish and monitor payment plans whenever possible
  • Initiate all required documents; review and make recommendations for charge-offs, repossessions, foreclosures, and rewriting of delinquent loans and/or settlements.
  • Pull Credit Bureau reports when necessary
  • Achieve assigned goals monthly
  • Maintain strict adherence and compliance to all laws, rules, regulations, policies, procedures and internal controls specific to the job functions
  • Follow detailed and standardized procedures in performing routine collection operations and perform a variety of support duties related to the collection function
  • Make recommendations on ways to improve work processes within Collections
  • Assist the Front End area with incoming calls in time of high call volume.
  • Perform other job-related duties as assigned by Managers(s)

Essential Skills:

Education and Experience Requirements:

  • High School graduate or equivalent required.
  • Excellent telephone and communication skills required.
  • Excellent written and verbal communication skills
  • Experience successfully utilizing various computer programs including MS Office

Additional Eligibility Requirements:

  • Previous experience in a call center and/or financial institution preferred
  • Minimum of 1 year of recent and progressive experience in consumer or mortgage collections in a financial institution with 2-3 years preferred.
  • Knowledge of the Fair Debt Collection Act, Fair Credit Reporting Act, and other applicable collection laws

Location: Remote MA or NH only

Target Compensation: $21.50 per hour

Schedule: 3 days 8-5pm, 2 days 11am-8pm, 2 Saturdays per month (40 hours)


Who We Are:
What makes First Tech different? Click here to learn more!
Every great journey begins with a bold idea—and ours is no different. First Tech and DCU were founded on the belief that financial solutions should put people first. That belief has fueled decades of innovation and service, rooted in the tech sector and expanding to support members from all walks of life.
Employees are eligible for:
• Traditional medical, dental, and vision coverage
• Generous 401(k) match
• Paid Time Off: You'll accrue up to 15 days in your first year. In addition, you'll receive 40 hours of sick time and 3 personal days, which refresh annually
• Paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility subject to standard account requirements and underwriting criteria)
Employment Statements:
First Tech is an equal opportunity employer, and we value diversity, inclusion, and equity at our company. We evaluate qualified applicants without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.
If you're applying for a job and need a reasonable accommodation for any part of the employment process, please send an email to recruiters@firsttechfed.com and let us know the nature of your request and contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this email address.
First Tech is not currently offering Visa transfer/sponsorship for this position.

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