SUMMARY:
The Collections Specialist is responsible for managing delinquent accounts through direct customer engagement, legal processes, and administrative follow-up.
MAJOR DUTIES/RESPONSIBILITIES:
- Initiate and manage outbound collection calls to customers with past-due accounts.
- Conduct skip tracing to locate customers who are unresponsive or have moved without notice.
- Prepare and file legal documentation for repossessions, garnishments, and other legal remedies.
- Draft and send collection letters in accordance with company policy and regulatory guidelines.
- Maintain accurate and up-to-date records of all collection activities in the system of record.
- Collaborate with branch staff and legal teams to escalate accounts requiring legal recourse.
- Monitor and follow up on accounts in litigation or repossession status.
- Ensure compliance with all federal, state, and local laws governing debt collection practices (e.g., FDCPA).
- Provide exceptional customer service while negotiating payment arrangements.
BASIC REQUIREMENTS:
- High school diploma or equivalent required;
- 5 years of experience in consumer finance collections or a related field.
- Familiarity with skip tracing tools and legal collection procedures.
- Strong organizational and documentation skills.
- Excellent verbal and written communication abilities.
- Proficiency in Microsoft Office and collection software systems.
- Ability to work independently and as part of a team in a branch environment.
PREFERRED QUALIFICATIONS:
- Bilingual (English/Spanish) is a plus.
- Associate or bachelor’s degree preferred.
- Experience with auto loan or personal loan collections.
- Knowledge of repossession and legal filing processes.
COMPENSATION:
- The salary range for this position is competitive based on the job duties as well as the specific Knowledge, Skills, Abilities and Experience of the selected candidate.
- This position is eligible for Quarterly Incentive compensation based on individual and company performance guidelines.
WORKING CONDITIONS:
Pay: $21.00 - $23.00 per hour
Experience:
- Consumer finance collections: 2 years (Required)
Ability to Commute:
- York, PA 17404 (Required)
Work Location: In person
