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

Normal office conditions

Pay:

$21.00 - $23.00 per hour

Experience:

Consumer finance collections: 2 years (Required) Ability to

Commute:

Fredericksburg, VA 22401 (Required)

Work Location:

In person