Collections Representative

About The Position

As the Collections Representative, you will contact delinquent borrowers within assigned accounts to collect past‑due payments and fees while providing professional, compliant, and customer‑focused service. Your role will support the Consumer Loan Servicing team by following established collection procedures and escalating complex situations as appropriate.

• Contact delinquent borrowers within assigned accounts for successful collection of past‑due payments and fees.
• Communicate with borrowers via phone, email, and written correspondence in a professional and compliant manner.
• Document all collection activity accurately and timely in the loan servicing system.
• Explain payment options, account status, and basic loan information to borrowers.
• Follow established collection policies, procedures, and regulatory requirements.
• Identify accounts requiring escalation and refer to senior collections staff or management as appropriate.
• Maintain knowledge of applicable consumer lending and collections regulations.
• Perform other duties as assigned.

• High school diploma or equivalent required.
• A minimum of two years of customer service experience required, preferably in financial services or collections environment.
• Proven experience with handling customer inquiries, resolving issues, and maintaining a positive and professional demeanor in challenging situations.
• Ability to learn and use multiple computer systems and web‑based tools.
• Strong organizational and time‑management skills.
• Ability to follow procedures and apply sound judgment within established guidelines.
• Strong interpersonal, verbal, and written communication skills.
• Ability to work effectively in a fast‑paced, team‑oriented environment.

• Professional office setting.
• Primarily sedentary position requiring long periods of time working at a computer.
• Must be able to move throughout the office and buildings to obtain or relay information.
• Must be able to perform the essential functions of the position with or without reasonable accommodation.

Our benefits package includes the following and so much more:

• Medical, Dental, and Vision Insurance for Full‑Time employees – Eligibility begins on day one of employment.
• 401(k) Retirement Plan with Generous Match for Full‑Time and Part‑Time employees – Eligibility begins on day one of employment.
• Professional Development Reimbursement.
• At least 3 weeks Paid Vacation annually – For New Employees, Paid Vacation is Adjusted Based on Start Date.
• Eleven Paid Holidays.
• Paid Volunteer Time.
• Annual First Internet Bank‑branded merchandise allowance.

Equal Opportunity Employer – Women, Minorities, Veterans and Individuals with Disabilities.