SPOC Sr. Collections Specialist - Jacksonville, FL

Position: Sr. Collections Specialist (SPOC – Loss Mitigation)

Location: 100% Onsite - Jacksonville, FL
Schedule: Monday – Friday | 11:00 AM – 8:00 PM EST
Employment Type: Contract (Potential Extension/Conversion)
Start Date: Targeting 6/15/2026 (TBD)
Pay Rate: $27.00/HR, Paid Weekly

Credit/Background Requirement: This position requires a credit/background screening prior to submission and hire consideration. Candidates must be able to successfully pass the required credit/background screening. The screening will review financial responsibility criteria, including recent foreclosures, bankruptcies, judgments/liens, and delinquent or charged-off accounts that exceed client guidelines.

Position Overview:

The Sr. Collections Specialist, also known as a Single Point of Contact (SPOC), is responsible for managing complex collections and loss mitigation activities. This role serves as the primary liaison for borrowers, guiding them through delinquency resolution and evaluating home retention or liquidation options.

The ideal candidate is highly analytical, customer-focused, and experienced in navigating sensitive financial situations while ensuring compliance with investor and regulatory guidelines.

Key Responsibilities:

• Serve as the primary point of contact for borrowers regarding collections and loss mitigation inquiries.
• Conduct inbound and outbound calls to resolve delinquent accounts.
• Analyze borrower financials to determine eligibility for retention options (e.g., forbearance, loan modifications) or liquidation solutions (e.g., short sale, deed in lieu).
• Negotiate payment arrangements and recommend appropriate solutions.
• Maintain accurate, detailed documentation of all customer interactions and account activity.
• Resolve complex account issues, escalations, and disputes with professionalism.
• Ensure compliance with investor guidelines, company policies, and regulatory requirements.
• Partner with internal teams to support account resolution and process efficiency.

Required Qualifications:

• Minimum 3+ years of experience in collections, loss mitigation, or mortgage servicing.
• Strong knowledge of investor guidelines (FHA, VA, FNMA, FHLMC).
• Understanding of Fair Debt Collection Practices, U.S. Bankruptcy Code, and related regulations.
• Excellent communication, negotiation, and active listening skills.
• Strong analytical and problem-solving abilities.
• High attention to detail with strong organizational and time management skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Proficiency in Microsoft Office (Excel, Word, Outlook).
• Ability to interpret complex financial and legal documents.

Education:

• High School Diploma or equivalent required.
• Some college coursework preferred.

Working Conditions:

• May on occasion be exposed to loud sounds and distracting noise levels, such as from office equipment.
• The ability to lift up to 30lbs.
• Use of computers and technology.

Here at Canon Recruiting, People are our priority, and we are committed to Include Diversity in every segment of who we are. It is only through our Diversity, we are made a stronger organization, and increase our ability to provide top tier candidates that our clients have come to know Canon for. We have an inclusive environment all employees are celebrated for their unique differences. The different perspectives and experiences of our workforce give us the competitive advantage that is essential for success in an ever-changing market. By promoting inclusion with the same enthusiasm, we devote to quality and competency, and using the experience from a diverse assortment of backgrounds and experiences, Canon is able to improve the services and value we deliver to clients, employees, and customers. At Canon, Diversification and Inclusiveness are much more than a corporate ambition; they are a critical component in our daily corporate life.

Canon Recruiting is committed to a diverse and inclusive workplace. Canon Recruiting is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.

The pay range for this position is listed above. Base pay information is based on market location. We will consider for employment qualified applicants with arrest and conviction records. Our range of benefits may include health care and 401(k) savings plans. For individuals with disabilities who would like to request an accommodation, please email our HR team hr@canonrecruiting.com