Collections Specialist

Description

We are looking for a Collections Specialist to support delinquency management and member account resolution for a Contract position based in Middletown, New York. This fully onsite opportunity is expected to continue through the end of the year and is ideal for someone who can balance firm collections practices with attentive member service. The person in this role will handle account follow-up, payment arrangements, research activities, and documentation while working within regulatory guidelines and internal policies.

Responsibilities:

- Contact members and internal or external parties by phone to address past-due accounts, answer inquiries, and move collection efforts forward.

- Guide members through available resolution options, including hardship support, settlement opportunities, and short-term payment plans designed to reduce delinquency.

- Complete collection-related service requests such as deferments, payment postings, account updates, and other administrative actions tied to account resolution.

- Maintain thorough and accurate records of all collection activity in the designated system to ensure account history is current and well documented.

- Research account details by obtaining supporting documents such as payment copies, statements, credit reports, and credit applications when needed.

- Partner with leadership on accounts that require non-routine action, including matters involving legal review, repossession, outside agencies, or bankruptcy activity.

- Recommend accounts for charge-off when recovery is no longer likely and assist with related account maintenance and processing steps.

- Handle collection payments and proceeds from external sources, support vendor-related correspondence, and help manage daily department mail and written communications.

- Monitor online banking requests and assist with reconciliations and other departmental tasks that support accurate financial tracking and operational efficiency.

- Identify workflow improvement opportunities that strengthen accuracy, internal controls, and overall department performance while completing additional assigned duties as needed.

Requirements - At least 3 years of collections experience, with exposure to consumer, commercial, or credit-related account recovery activities.

- Some college coursework preferred, or an equivalent combination of education and hands-on collections experience.

- Working knowledge of collection practices, delinquency management, and regulations that govern account recovery activities.

- Ability to communicate clearly and effectively when handling sensitive financial discussions by phone and in writing.

- Experience using PC-based business applications, including Microsoft Office, for documentation, tracking, and reporting.

- Strong attention to detail with the ability to keep accurate records, manage aging or delinquent accounts, and follow established procedures.

- Capability to maintain a detail-oriented approach, exercise sound judgment, and collaborate effectively with managers, vendors, attorneys, and outside agencies.

- Willingness to learn and follow Bank Secrecy Act compliance requirements and other applicable organizational policies.

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