Collections Specialist - Loans (Remote - USA)

Position Overview:

Key Responsibilities:

• Contact borrowers to resolve past-due accounts and negotiate payment arrangements.
• Monitor aging reports and maintain detailed logs of collection efforts.
• Recommend and initiate escalation procedures for delinquent accounts, including legal action or foreclosure support when necessary.
• Collaborate with internal teams including Special Servicing, Accounting, and Legal to track and resolve collections issues.
• Prepare written correspondence such as demand letters, payment agreements, and settlement offers.
• Maintain compliance with all federal and state laws and regulations (FDCPA, FCRA, etc.).
• Work with third-party servicers and attorneys on escalated or charged-off loans.
• Report on portfolio performance, delinquency rates, and recovery trends.
• Provide timely and accurate updates to leadership on high-risk accounts.

Qualifications:

• 2–4 years of experience in loan collections, loan servicing, or financial recovery (real estate/private lending preferred).
• Strong communication and negotiation skills with a customer-first mindset.
• Familiarity with collection tools, CRM systems, and loan servicing platforms.
• Knowledge of FDCPA and other relevant debt collection regulations.
• High level of attention to detail, time management, and organization.
• Ability to work independently in a fully remote setting.
• Bachelor’s degree in Business, Finance, or related field preferred (or equivalent experience).

Why Join Trophy Point:

• Be part of a fast-growing private lending firm with a focus on integrity and impact.
• Enjoy the flexibility of remote work from anywhere in the U.S.
• Collaborate with a mission-driven team of professionals dedicated to real estate finance innovation.