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Auto Collection Jobs in Texas (NOW HIRING)

MEI GROUP

Auto Collections Representative

Arlington, TX · On-site

$16 - $20.75/hr

Auto Collections Representative On-Site Arlington, TX Full-Time Monday-Friday & Every Other ... Meet or exceed daily, weekly, and monthly collection and performance goals. * Accurately document ...

MEI Group

Auto Collections Representative

Arlington, TX · On-site

$16 - $20.75/hr

Auto Collections Representative On-Site | Arlington, TX Full-Time | Monday-Friday & Every Other ... Meet or exceed daily, weekly, and monthly collection and performance goals. * Accurately document ...

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All JobsAuto Collection JobsAuto Collection Jobs in Texas

Auto Collection information

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How much do auto collection jobs pay per hour?

As of Sep 13, 2026, the average hourly pay for auto collection in Texas is $18.67, according to ZipRecruiter salary data. Most workers in this role earn between $15.00 and $21.49 per hour, depending on experience, location, and employer.

What is an auto collection job?

Auto collection jobs involve contacting customers or businesses to collect payments on overdue automobile loans or leases. Professionals in this role work with lenders, dealerships, or financial institutions to negotiate payment arrangements, resolve disputes, and ensure accounts are brought current. They may also update account records, follow legal and company policies regarding collections, and sometimes coordinate the repossession process if necessary. Good communication, problem-solving skills, and knowledge of relevant regulations are important for success in this field.

What are common challenges faced by professionals working in auto collection, and how can they be effectively managed?

Professionals in Auto Collection often encounter challenges such as communicating with customers who are behind on payments, handling difficult conversations diplomatically, and balancing collection targets with customer service. Success in this role requires strong negotiation skills, patience, and the ability to remain calm under pressure. Many teams provide ongoing training and support, and collaboration with other departments like customer service and finance is common to resolve issues efficiently. Utilizing technology and clear communication strategies can also help manage workload and improve collection rates.

What are the key skills and qualifications needed to thrive as an auto collection specialist, and why are they important?

To thrive as an Auto Collection Specialist, you need strong knowledge of collection procedures, negotiation techniques, and familiarity with lending or financial regulations, often supported by a high school diploma or equivalent. Proficiency with collections software, CRM systems, and office productivity tools is typically required. Excellent communication, problem-solving abilities, and resilience under pressure are standout soft skills for this role. These skills enable effective debt recovery, maintain customer relationships, and help the organization manage risk and minimize losses.

What is the difference between Auto Collection vs Auto Service Technician?

AspectAuto CollectionAuto Service Technician
Required CredentialsHigh school diploma, dealership or auto sales certificationsHigh school diploma, ASE certifications, technical training
Work EnvironmentDealerships, auto sales lots, car showroomsAuto repair shops, service centers, dealerships
Industry UsageAuto sales and dealership industryAuto repair and maintenance industry
Common Search/ComparisonAuto Collection vs Auto Service Technician

Auto Collection roles focus on selling and managing vehicle inventories within dealerships, requiring sales skills and certifications. Auto Service Technicians specialize in vehicle repairs and maintenance, requiring technical certifications like ASE. While both work in the automotive industry, their roles differ in responsibilities, work environment, and required credentials.

What cities in Texas are hiring for Auto Collection jobs?

Cities in Texas with the most Auto Collection job openings:

Auto Collection jobs near you
Infographic showing various Auto Collection job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 71% Full Time, 21% Part Time, 5% Contract, and 2% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $38,824 per year, or $18.7 per hour.

Collection Specialist

Galveston, TX • On-site

Coastal Community Federal Credit Union
Commercial Banking • 11 - 50 employees
Learn more about Coastal Community Federal Credit Unionexternal

$17.50 - $23.50/hr

Full-time

Re-posted 13 days ago

Job description

Description

The Collection Specialist manages delinquent accounts across mortgage, auto, and signature (unsecured consumer) loan portfolios. This role focuses on recovering outstanding balances, negotiating sustainable repayment solutions, and preserving customer relationships while ensuring strict compliance with federal, state, investor, and company requirements.

Requirements

Key Responsibilities

  • Portfolio Management: Monitor and manage a mixed portfolio of delinquent mortgage, auto, and signature loan accounts through all stages of delinquency.
  • Customer Outreach: Initiate timely, documented contact via phone, email, and written correspondence to discuss past-due balances, options, and next steps.
  • Repayment Negotiation: Negotiate and document payment arrangements, loan modifications, forbearance plans, reinstatements, settlements, and other loss-mitigation solutions tailored to loan type.
  • Auto Collections Efforts: Coordinate repossession referrals when appropriate; work with recovery vendors and title services; verify vehicle information and lien status; pursue voluntary surrender or reinstatement options when feasible.
  • Signature Loan Collections Efforts: Apply strategies for unsecured debt recovery including structured payment plans, settlement offers, and skip-tracing to locate borrowers; escalate to legal collections when required.
  • Documentation and System Updates: Maintain accurate, audit-ready records of all collection activity, borrower communications, and account status updates in the servicing system.
  • Compliance and Risk Management: Ensure all collection activities comply with FDCPA, RESPA, state laws, investor servicing requirements, and internal policies; flag and escalate potential legal or regulatory issues.
  • Loss Mitigation Coordination: Collaborate with underwriting, foreclosure, legal, and loss-mitigation teams to evaluate options and implement approved solutions.
  • Skip Tracing and Research: Use internal tools and third-party services to locate borrowers, verify employment and assets, and update contact information.
  • Reporting and Metrics: Produce regular status reports and performance metrics such as cure rates, promise-to-pay adherence, recovery amounts, and days delinquent.
  • Customer Service: Provide clear, professional guidance to borrowers about options and timelines while protecting the company's financial interests.

Qualifications

  • Experience: 2+ years in collections, loan servicing, or related financial recovery roles; experience with mortgage, auto, and unsecured consumer loans strongly preferred.
  • Education: High school diploma or GED required; Associate degree or higher in finance, business, or related field preferred.
  • Technical Skills: Proficiency with loan servicing systems and CRM tools; strong MS Office skills, especially Excel. Experience with skip-trace and repossession vendor platforms is a plus.
  • Regulatory Knowledge: Familiarity with FDCPA, RESPA, state foreclosure and repossession laws, and investor servicing guidelines.
  • Certifications: Relevant certifications in collections, mortgage servicing, or loss mitigation are advantageous.

Skills and Competencies

  • Communication: Clear, persuasive verbal and written communication with borrowers and internal partners.
  • Negotiation: Strong ability to structure repayment plans and settlements that balance borrower capacity and portfolio performance.
  • Attention to Detail: Accurate documentation and careful review of account histories, legal notices, and title/vehicle records.
  • Organization: Ability to manage a high-volume caseload and prioritize tasks to meet deadlines.
  • Problem Solving: Analytical approach to evaluate borrower situations and recommend appropriate actions.
  • Emotional Intelligence: Empathy and professionalism when handling sensitive borrower circumstances.
  • Teamwork: Collaborative approach with legal, underwriting, repossession vendors, and servicing teams.
  • Compliance Mindset: Consistent application of regulatory and investor rules in daily activities.

Working Conditions and Compensation

  • Schedule: Full-time; may require extended hours during peak periods or to meet legal deadlines.
  • Physical Requirements: Primarily office-based work with extended computer use. May require occasional coordination with field vendors.

Equal Opportunity: Employer is an equal opportunity employer committed to diversity and inclusion.

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