Collections Representative. Reston LilyLifestyle

Job Title

Collections Representative

As a Collections Representative, you will play a crucial role in safeguarding assets by managing delinquent loan accounts, collecting overdue payments, and recovering collateral. You will ensure compliance with all relevant rules and regulations, including BSA/AML and Loan and Fair Lending Policies.

• Monitor and manage the Overdraft Privilege Program (ODP) reports daily.
• Resolve internal and external ODP related queries efficiently.
• Collaborate with members and Collections Agency to set up Fresh Starts and maintain accounts.
• Process charge-offs and elevate major concerns to the Collections Manager.
• Communicate with delinquent accounts via phone and mail to bring them current.
• Counsel members using guidelines, policies, and the Fair Debt Collections Practices Act.
• Analyze the financial situation of borrowers to explore possible hardship modifications.
• Collect on returned checks, delinquent property taxes, and negative shares.
• Submit delinquency loan activity to the supervisor.
• Work through the daily overdraft list and collaborate with customers on payments and solutions.
• Provide information on banking products and assist branches in resolving account issues.

• Minimum of 1 year banking collections experience, ideally in consumer lending collections.
• Proficiency in working on a computer throughout the day.
• Collections experience is a must.

• Previous banking experience and familiarity with banking products.
• Capability to engage in direct conversations with clients over the phone.
• Competence in using computer systems to access customer accounts.
• Experience in a bank or credit union is necessary.
• Will need to take assessments.

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – pre‑tax and Roth post‑tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long‑term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

The position offers a shift from 8:00 AM to 5:00 PM. It is a contract‑to‑hire role with an initial duration of 120 days. Training occurs in Washington, DC, with the first two weeks dedicated to onboarding and additional training as needed. Employees will undergo a one‑day orientation and a seven‑day new‑hire training program. The location does not provide parking, but reimbursement of up to $15 per day is available for Reston staff commuting for training.

This is a Contract to Hire position based out of Reston, VA.

Pay range for this position is $21.50 - $25.00/hr.

This is a fully onsite position in Reston, VA.

This position is anticipated to close on May 22, 2026.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.