Find & Apply For Bill and Account Collector Jobs in Bellevue, Washington

ABOUT FAI

Financial Assistance, Inc. has been a trusted partner to credit unions and community banks for over 40 years. We recover charged-off assets for some of the Pacific Northwest's most respected financial institutions — and we do it with integrity, professionalism, and a team that genuinely knows its craft. Our collectors average nearly two decades of experience. We are in an active growth phase under new ownership, investing in new technology, new certifications, and the people who make it all work.

OUR NORTH STAR

Vision:

To be the Nation's leading partner to the banking community in asset recovery and litigation support.

Mission:

To recover assets for banking clients and assist consumers with integrity and respect.

OUR CORE VALUES 1.

Integrity — Honor your commitments. 2. Respect — Treat everyone with respect, every time, no exceptions. 3. Execution — Get the right things done. 4. Team — Be a team player. 5. Accountability — Own your results.

ABOUT THE ROLE

This is not a call center. FAI is a specialized agency with a sophisticated litigation capability and a client base made up of credit unions that depend on us to handle their members with professionalism and care. As a Collections Specialist, you will manage a portfolio of charged-off accounts on behalf of our credit union and community bank clients — working both the demand phase through direct consumer contact and supporting the legal phase as accounts move toward litigation. You will work alongside experienced collectors in a collaborative, high-performance environment where your results are visible, your contributions are recognized, and your commission is uncapped. If you are a skilled negotiator who takes pride in closing accounts the right way, this is the role for you.

RESPONSIBILITIES

Conduct outbound and inbound consumer contact via phone, written correspondence, and other channels to resolve charged-off accounts Negotiate payment arrangements, settlements, and payment plans within established guidelines Manage an assigned portfolio of accounts across multiple clients and delinquency stages Accurately document all consumer contacts, payment arrangements, and account activity in the collections platform Ensure full compliance with the FDCPA, Regulation F, and all applicable state and federal collection laws Identify accounts appropriate for escalation to the legal phase and coordinate with the legal team Process payments accurately and maintain chain of custody on account documentation Meet or exceed monthly collection targets and activity standards Represent FAI and our credit union clients with professionalism in every consumer interaction

WHAT YOU BRING

2+ years of collections experience — third-party, credit union, or financial institution background preferred Working knowledge of FDCPA and Regulation F; familiarity with Washington State collection law a plus Strong negotiation skills and the ability to remain composed, empathetic, and professional in difficult conversations Accurate and disciplined with account documentation — you record what happened, every time Experience with collections software platforms such as Akuvo, Aktos, CARS, Latitude, or similar systems preferred Self-directed and accountable — you manage your own book and own your numbers High school diploma or equivalent required; associate's or bachelor's degree a plus

COMPENSATION AND BENEFITS

Base pay: $17.50-$19.00/hour depending on experience

Commission:

Uncapped monthly commission on net collections above base threshold Total target compensation: $50,000-$80,000+ depending on performance — top collectors earn significantly more Health, dental, and vision insurance (75% employer paid after 60 days) Life insurance ($15K) 401(k) with 4% employer match after 90 days PPTO — 13 days accrual; 19 days after 5 years of tenure Paid sick leave — Washington State minimum (approximately 6.5 days annually) 7 paid holidays

SCHEDULE

Monday through Friday, 8-hour shifts In-office | Bellevue, WA No nights or weekends WHY FAI Work on behalf of credit unions — clients who care how their members are treated A team that takes its craft seriously — our collectors average nearly 20 years of experience Active technology investment — Aktos platform migration and SOC 2 Type II certification underway New, growth-oriented ownership with a clear plan and the resources to execute it Small team where your work is seen, your performance is rewarded, and your voice matters

Pay:

$17.00 - $19.00 per hour

Benefits:

401(k) 401(k) matching AD&D insurance Dental insurance Health insurance Health savings account Life insurance Opportunities for advancement Paid sick time Paid time off Parental leave Professional development assistance Profit sharing Tuition reimbursement Vision insurance

Work Location:

In person