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Charge Off Collector Jobs (NOW HIRING)

STAR

COLLECTOR/RECOVERY SPECIALIST - E. CARMEL DRIVE

Carmel, IN · On-site

$16 - $21.50/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Makes recommendations for setoffs, repossessions, foreclosures, and charge offs. * Decreases bank ... off as a loss. * Ensures timely follow up with collection agencies and attorney collection firms ...

Fulton Bank

Residential Mortgage Collector

East Petersburg, PA

$18.56 - $29.38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Coordinates the review and collection of delinquent residential mortgage loans in various stages of delinquency or default, including pre-foreclosure and post-charge-off phases, and/or mortgages ...

Fulton Bank

Residential Mortgage Collector

East Petersburg, PA · On-site

$18.56 - $29.38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Coordinates the review and collection of delinquent residential mortgage loans in various stages of delinquency or default, including pre-foreclosure and post-charge-off phases, and/or mortgages ...

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How much do charge off collector jobs pay per hour?

As of Aug 14, 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 a charge off collector?

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.
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Charge Off Collector jobs near you
Infographic showing various Charge Off Collector job openings in the United States as of August 2026, with employment types broken down into 98% Full Time, and 2% Part Time. Highlights an 93% In-person, 2% Hybrid, and 5% Remote job distribution, with an average salary of $43,657 per year, or $21 per hour.

COLLECTOR/RECOVERY SPECIALIST - E. CARMEL DRIVE

STAR

Carmel, IN • On-site

$16 - $21.50/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago

Job description

If you are searching for an employer that provides you with unlimited career growth and development opportunities, look no further! Learn how STAR Financial Bank strives to be the employer of choice in Indiana and truly defines OneTeam.
STAR Financial Bank is an Indiana-based community bank known for its culture of delivering quality service, personalized banking solutions, and innovative use of technology for more than 75 years. We are proud to be a community bank in every aspect of the word. Beyond monetary giving and employee volunteerism, STAR is dedicated to partnering with the people and organizations that improve our communities. At every one of our locations, employees demonstrate their commitment to STAR and our customers by honoring our core values of Honesty & Integrity, Accountability, Respect for All, Do What's Right, Commitment to Lifelong Learning, Community Leadership, Being Progressive, Celebrating Success and Remaining Independent.
The Collector/Recovery Specialist position is included in a workplace model that allows for a combination of in-office and remote work.
As a Collector/Recovery Specialist, essential responsibilities include:
  • Makes and receives phone calls from delinquent customers and makes suitable arrangements to bring the account current.
  • Collects primarily delinquent loan accounts and negative deposit accounts.
  • Documents all collection activity in the Xperience or other applicable collection system.
  • Makes recommendations for setoffs, repossessions, foreclosures, and charge offs.
  • Decreases bank losses through effective and efficient collection strategies while maintaining minimal expenses and maintaining customer relationships.
  • Gathers information to fully understand underlying issue(s) that is the cause of delinquency through communication with customer in order to take the appropriate action to resolve said issue(s).
  • Contacts family members, places of business, listed contacts, neighbors, and other skip tracing tools as provided to locate whereabouts of a customer in the event of a skip.
  • Communicates sensitive issues with customers in a tactful manner to resolve issue and yet maintain the Bank's image.
  • Locates, contacts and works with loan customers whose loans or any portion of the loan has been charged off as a loss.
  • Ensures timely follow up with collection agencies and attorney collection firms for required status updates on assigned accounts.
  • Ensure adherence to state and federal statutes including the FDCPA and CFPB.
  • Prepares paperwork and letters as needed/required to fulfill duties.
  • Reviews legal matters of consequence with manager on a regular basis.
  • Assigned account for legal action after management approval.
  • Assign account to collection agencies on a needed basis.
  • Answers telephone and directs call to appropriate personnel.
  • Reviews bank records for misapplied payments.
  • Coordinates repossession of collateral as requested through AMCL Manager and coordinates collateral insurance claims.
  • Directs and monitors progress of attorneys hired for various litigation issues.
  • Coordinates and tracks liquidation efforts through approved wholesale/retail outlets.
  • Makes sales referrals and workout recommendations.
  • Executes ACH transactions and initiates automatic payments. Processes credit card applications. Approves and coordinates extension/due date changes in accordance with policy.
  • Assist with the coordination of insurance loss event process through branch contacts.
  • Contacts attorneys regarding bankrupt customer payments and is responsible for the processing of attorney and third party agency remittance.
  • Provides proper balancing of GL for processing collection agency and attorney remittance sheets. Track monthly recovery rates for each collection agency.
  • File Claim with the relevant courts.

Skills Needed
  • Strong attention to detail in all aspects of work.
  • Possess critical thinking attributes.
  • Excellent verbal and written communication skills.
  • Ability to maintain a high level of confidentiality in every aspect of this position.
  • Ability to handle multiple priorities.
  • Ability to prioritize workload and meet required deadlines.
  • Ability to work independently or as part of a team.
  • Proficiency with Microsoft Office products (Excel, Word, PowerPoint, Outlook) and internet/web based programs.
  • Ability to provide exceptional customer service.

In addition to traditional compensation and benefits packages, our leaders continue to collaborate to launch innovative employee benefits and perks including, Affordable Medical/ Vision/ Dental Coverage • Flexible Dependent Care Account • Health Savings Account (with employer contributions) • Prescription Drug Plan • Employee Wellness Initiatives (physical/mental/financial) • Health Management Reimbursement • Program • Short Term/Long Term Disability • Life Insurance • Tuition Reimbursement • Competitive Pay and Bonus Program • 401k (with employer match) • Generous Paid Time off including 11 1/2 holidays.
** Eligibility of benefits are determined by employment status classification and may be discussed during the interview process.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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