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Charge Off Collector Jobs (NOW HIRING)

State Employees Credit Union

Collector III

Santa Fe, NM · On-site

$24.03 - $30.04/hr

Collector III REPORTS TO : Collections Manager SUPERVISES: N/A JOB STATUS : Non- Exempt JOB GRADE ... charge off accounts. * Assist in answering all incoming calls for the collection department.

State Employees Credit Union

Collector III

Santa Fe, NM · On-site

$24.03 - $30.04/hr

Collector III REPORTS TO : Collections Manager SUPERVISES: N/A JOB STATUS : Non- Exempt JOB GRADE ... charge off accounts. * Assist in answering all incoming calls for the collection department.

GenoaBank

Collector/Loss Mitigations

Genoa, OH

$16.50 - $22/hr

COLLECTOR/LOSS MITIGATIONS: Position Summary: Responsible for managing and collecting delinquent ... Identifies accounts that require escalation, repossession, legal review, charge-off consideration ...

Revity Credit Union

Collector

Granite City, IL · On-site

Handles inbound and outbound telephone calls with members needing assistance with delinquent obligations, reviewing data for workout solutions, skip tracing and making repossession and charge off ...

TelComm Credit Union

Collector

Springfield, MO · On-site

$20 - $23/hr

Maintain accurate data for repossession log, bankruptcy files, charge-off list, etc. * Research automatic deductions for stops, starts, and changes as they may affect the status of a loan repayment ...

Fifth Third

Mortgage Collector

Cincinnati, OH · On-site

Understanding of debt collections in any stage of delinquency (up to 180 days, charge off and ... Mortgage Collector At Fifth Third, we understand the importance of recognizing our employees for ...

Fifth Third Bank

Mortgage Collector

Cincinnati, OH · On-site

Understanding of debt collections in any stage of delinquency (up to 180 days, charge off and ... Mortgage Collector At Fifth Third, we understand the importance of recognizing our employees for ...

GECU

Collector I (Hybrid)

El Paso, TX · On-site

$15.50 - $20.75/hr

Prepares and recommends uncollectible loans for collateral inspection, repossession, demand, or charge off. Inputs loan applications and referrals for approval/denial. Respond to telephone inquiries ...

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Charge Off Collector information

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How much do charge off collector jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for charge off collector in the United States is $20.99, according to ZipRecruiter salary data. Most workers in this role earn between $18.27 and $24.04 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Charge Off Collector, and why are they important?

To thrive as a Charge Off Collector, you need strong knowledge of collections processes, account management, and relevant regulations such as the Fair Debt Collection Practices Act, often supported by a high school diploma or equivalent. Familiarity with collections software, CRM systems, and payment processing tools is typically required. Excellent negotiation, active listening, and problem-solving skills help build rapport with debtors and achieve favorable outcomes. These skills and qualities are crucial for maximizing recoveries while maintaining compliance and customer relationships.

What are some common challenges faced by Charge Off Collectors, and how can they overcome them?

Charge Off Collectors often encounter challenges such as dealing with unresponsive or distressed customers and meeting recovery targets within strict timelines. To overcome these obstacles, it’s important to develop strong communication and negotiation skills, remain patient and empathetic, and stay organized with detailed records. Collaborating closely with team members and supervisors can also provide support and strategies for handling difficult cases. Ongoing training and adapting to regulatory changes are key to success in this role.

What is the 7 7 7 rule for debt collectors?

The 7-7-7 rule in debt collection refers to a guideline where debt collectors are advised to wait 7 days after initial contact before sending a written notice, then wait another 7 days before making a second contact, and finally, wait 7 days before taking further collection actions. As a charge-off collector, understanding these timing rules helps ensure compliance with the Fair Debt Collection Practices Act (FDCPA) and avoid harassment claims.

Can I have a 700 credit score with collections?

As a Charge Off Collector, having a 700 credit score with collections is possible but uncommon, as collections typically lower credit scores. Lenders may still approve credit if other factors like income and payment history are strong, but collections can impact creditworthiness and loan terms. Maintaining good financial habits can help improve your score despite collections.

What are Charge Off Collectors?

Charge Off Collectors are professionals who work on recovering debts that have been written off as unlikely to be paid by the original lender. These collectors typically contact individuals or businesses whose debts have been charged off, negotiate payment arrangements, and try to collect as much of the outstanding balance as possible. Their work often involves working with delinquent accounts, understanding financial regulations, and using effective communication and negotiation skills to resolve debts. Charge Off Collectors may work for collection agencies, banks, or other financial institutions.

Can a collection agency collect on a charge-off?

A charge-off is an accounting action by a creditor indicating the debt is unlikely to be paid, but a collection agency can still attempt to collect on the debt afterward. Charge-off status does not prevent collection efforts, and collection agencies often buy charged-off accounts to pursue repayment through phone calls, letters, or legal action. As a Charge Off Collector, understanding debt status and collection laws is essential for effective recovery efforts.

What job makes $10,000 a month without a degree?

A charge off collector can potentially earn $10,000 a month through commissions and bonuses, especially in high-volume or senior roles. Success in this field often depends on strong negotiation skills, experience, and the ability to handle large accounts, with some collectors reaching high earnings without formal degrees.
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Charge Off Collector jobs near you
Infographic showing various Charge Off Collector job openings in the United States as of June 2026, with employment types broken down into 6% As Needed, 81% Full Time, and 13% Part Time. Highlights an 98% Physical, and 2% Remote job distribution, with an average salary of $43,657 per year, or $21 per hour.
Collector II (HYBRID)

Collector II (HYBRID)

First Technology Federal Credit Union

Hillsboro, OR • Hybrid

$18.50 - $24.75/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 4 days ago

Job description

Description

The Collector II handles and resolves defaults and delinquencies with members’ accounts, advocating for members and maintains strong member relationships and meets member service standards.  
 
Job Duties:  
  • Provide assistance and support to members in financial difficulty by identifying mutually agreeable payment arrangements, maintaining excellent member service and strong relationships
  • Handle escalated member issues as required
  • Work assigned collection queues and make collection attempts by telephone and email (on financial products like auto loans, credit cards, mortgages, etc.), following established procedures and regulations
  • Review and submit accounts for loan workout arrangements (such as extensions, modification, forbearance and partial payments)
  • Identify accounts for adverse action (such as repossession, foreclosure, closure, suspension and charge off) and handle with guidance from internal business partners
  • Proactively identify gaps in processes and procedures and make recommendations for improvements
  • Conduct skip tracing, as necessary, to obtain contact information in order to contact delinquent/defaulted members
  • Participate in department projects and initiatives as required
  • Assist in orientation and training of new Collectors
  • Participate in system upgrades including quality control and testing
Essential Skills:  
  • Minimum 2 years’ experience in a collections position, preferably in the financial services industry
  • Basic knowledge of financial service industry regulations including TCPA, FDCPA, FCRA and FACT ACT is preferred
  • Basic understanding of loan calculations including APR, amortization schedules and simple interest calculations
  • Effective time management skills and the ability to work independently or in a collaborative team environment
  • Strong listening skills with ability to ask probing questions to determine member needs and overcome objections
  • Strong problem solving and decision-making skills with a strong attention to detail
  • Strong communication and influencing skills; able to write/speak clearly
  • Ability to professionally handle sensitive documents
  • Familiarity with a core banking system is preferred
  • Working knowledge of Microsoft Office Suite
  • Certification/License: N/A
  • Minimum Education: High School Diploma or equivalent
Location: Hillsboro Corporate Office - Hillsboro, OR 97124 (HYBRID)  
 
Target Compensation in Hillsboro, OR: $22.80 - $27.09 + annual bonus  
 
Benefits options include:
  • Traditional medical, dental, and vision coverage
  • 401K matching up to 5% per pay period
  • Paid Time Off: You’ll accrue up to 15 vacation days in your first year. In addition, you’ll receive 40 hours of sick time and 3 personal days, which refresh annually
  • 11 paid federal holidays
  • Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)
What makes First Tech different? Click here to learn more!     
 
First Tech is not currently offering Visa sponsorship or transfer for this position
 

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