Position Summary
Advanced Recovery Group is seeking a detail-oriented and resourceful Commercial Collections Investigator to support our collections and legal teams by conducting in-depth investigations on businesses with outstanding commercial debt. The ideal candidate will determine whether businesses remain operational, identify assets and key decision-makers, locate updated contact information, and uncover valuable intelligence that increases the likelihood of successful recovery.
This position plays a critical role in maximizing recoveries by providing collectors and legal staff with accurate, timely, and actionable information.
Essential Responsibilities
- Investigate commercial debtors to determine whether businesses are:
- Currently operating
- Permanently closed
- Relocated
- Operating under a new name (DBA)
- Dissolved or inactive
- Research business ownership and identify principals, officers, guarantors, and affiliated companies.
- Locate updated business addresses, phone numbers, email addresses, and websites.
- Verify business operations through:
- Google Maps and Street View
- Business websites and social media
- Secretary of State records
- Licensing databases
- Public records
- Industry directories
- Identify assets that may assist in collection efforts, including:
- Commercial property ownership
- Vehicle ownership (where legally available)
- Business equipment
- Merchant processing relationships
- Vendor relationships
- Conduct skip tracing on business owners and guarantors.
- Research potential successor businesses, alter ego entities, and affiliated companies.
- Monitor business activity for signs of continued operations despite claims of closure.
- Review court filings, UCC filings, bankruptcies, judgments, and other public records.
- Document all investigative findings thoroughly within the company's CRM system.
- Prepare investigative reports for collectors, attorneys, and management.
- Work closely with the legal department to assist with litigation strategy and post-judgment enforcement.
- Maintain confidentiality and ensure all investigations comply with applicable federal and state laws.
Qualifications
- Previous investigative, collections, skip tracing, fraud investigation, or business research experience preferred.
- Experience in commercial debt collections is highly desirable.
- Strong internet research and analytical skills.
- Familiarity with Secretary of State databases, UCC filings, PACER, IDI, or similar investigative platforms is a plus.
- Excellent written documentation skills.
- Strong attention to detail.
- Ability to manage multiple investigations simultaneously.
- Proficient with Microsoft Office and CRM systems.
Preferred Skills
- Commercial collections experience
- Skip tracing experience
- Knowledge of business entity structures (LLCs, Corporations, Partnerships)
- Understanding of post-judgment collections
- Experience identifying business assets
- Familiarity with merchant cash advance (MCA) collections
- Ability to recognize fraudulent transfers or shell companies
Pay: $45,000.00 - $50,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Vision insurance
Work Location: In person
