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Collections Officer Jobs (NOW HIRING)

Bank of Bird-in-Hand

Collections Officer

Paradise, PA · On-site

Bank of Bird-in-Hand is actively seeking a Collections Officer to join our team in Paradise, PA. This role is responsible for managing and recovering overdue loan accounts and real estate payment ...

Vibrant Credit Union

Collections Officer

Moline, IL · On-site

$21.28 - $29.80/hr

The Collection Officer is responsible for recovering money owed to Vibrant for delinquent loan ... Collections Manager Environmental and Physical Activity Requirements: This job operates in a ...

Vibrant Credit Union

Collections Officer

Moline, IL · On-site

$21.28 - $29.80/hr

The Collection Officer is responsible for recovering money owed to Vibrant for delinquent loan ... Collections Manager Environmental and Physical Activity Requirements: This job operates in a ...

Credit Union of Texas

Collections Officer

Allen, TX

Position Purpose and Objectives The Collection Officer is responsible for assisting members with ... Documents all conversations and actions accurately in the collections database. * Skip tracing ...

Vibrant Credit Union

Collections Officer

Moline, IL

$21.28 - $29.80/hr

The Collection Officer is responsible for recovering money owed to Vibrant for delinquent loan ... Collections Manager Environmental and Physical Activity Requirements: This job operates in a ...

Credit Union of Texas

Collections Officer

Allen, TX

Position Purpose and Objectives The Collection Officer is responsible for assisting members with ... Documents all conversations and actions accurately in the collections database. * Skip tracing ...

Credit Union Texas

Collections Officer

Allen, TX · On-site

Position Purpose and Objectives The Collection Officer is responsible for assisting members with ... Documents all conversations and actions accurately in the collections database. * Skip tracing ...

Beacon Credit Union

Collections Officer

Fort Wayne, IN · On-site

Note: This employee can be headquartered at any Beacon location in northern Indiana that has available office space. Periodic travel is required to perform duties of the position, such as evaluating ...

Beacon Credit Union

Collections Officer

Kokomo, IN · On-site

Note: This employee can be headquartered at any Beacon location in northern Indiana that has available office space. Periodic travel is required to perform duties of the position, such as evaluating ...

Beacon Credit Union

Collections Officer

Kokomo, IN · On-site

Note: This employee can be headquartered at any Beacon location in northern Indiana that has available office space. Periodic travel is required to perform duties of the position, such as evaluating ...

Beacon Credit Union

Collections Officer

Fort Wayne, IN · On-site

Note: This employee can be headquartered at any Beacon location in northern Indiana that has available office space. Periodic travel is required to perform duties of the position, such as evaluating ...

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All JobsCollections Officer Jobs

Collections Officer information

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$13

$23

$41

How much do collections officer jobs pay per hour?

As of Jul 7, 2026, the average hourly pay for collections officer in the United States is $23.26, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $29.57 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Collections Officer, and why are they important?

To thrive as a Collections Officer, you need a solid understanding of debt collection practices, financial regulations, and strong numerical skills, often supported by a background in finance or business administration. Familiarity with collections management software, CRM systems, and regulatory compliance tools is typically required. Excellent negotiation, resilience, and interpersonal communication skills help Collections Officers engage effectively with clients and resolve payment issues. These skills ensure effective debt recovery, maintain customer relationships, and uphold organizational financial health.

What does a Collections Officer do?

A Collections Officer is responsible for recovering outstanding debts from individuals or businesses on behalf of a company or financial institution. They contact debtors via phone, email, or letters to negotiate repayment plans and ensure payments are made on time. Collections Officers also maintain records of communications, follow up on overdue accounts, and may escalate unresolved cases to legal teams. Their goal is to minimize financial losses while maintaining a professional and respectful relationship with clients.

How does a Collections Officer typically collaborate with other departments to resolve outstanding accounts?

Collections Officers frequently work closely with customer service, sales, and finance teams to resolve outstanding accounts. They may coordinate with customer service to clarify account discrepancies or payment issues and work with the sales team to understand client history and maintain positive relationships. Regular communication with the finance department is also essential for updating payment records and ensuring compliance with company policies. This cross-functional collaboration helps Collections Officers effectively address payment concerns while preserving customer relationships.

What is the highest paying collection job?

The highest paying collection jobs are often senior or specialized roles such as collections managers or debt recovery directors, who oversee large portfolios and develop strategic recovery plans. These positions typically require extensive experience, strong negotiation skills, and sometimes certifications, with salaries reaching six figures in some industries or organizations.

How to become a collection officer?

To become a collections officer, candidates typically need a high school diploma or equivalent, along with strong communication and negotiation skills. Relevant experience in customer service or finance can be beneficial, and some employers may require knowledge of debt collection laws and the use of collection software. Certification is not mandatory but can improve job prospects.

What are the top 3 skills for a collection officer?

A collections officer needs strong communication skills to negotiate with debtors, attention to detail to accurately track accounts, and problem-solving abilities to develop repayment solutions. Familiarity with collection software and understanding of debt laws also enhance effectiveness in the role.

What is the work of a collection officer?

A collections officer is responsible for contacting customers to recover overdue payments, negotiating repayment plans, and maintaining records of collection activities. They often use communication skills, financial knowledge, and collection software to perform their duties efficiently.

What is the difference between Collections Officer vs Credit Analyst?

AspectCollections OfficerCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentFinancial institutions, debt collection agencies, banksBanks, lending companies, financial services firms
Employer & Industry UsagePrimarily in debt recovery and customer service rolesInvolved in assessing creditworthiness and loan approvals
Common Search & Comparison IntentUnderstanding roles in debt collectionEvaluating credit risk and financial analysis

While both roles operate within the financial sector, a Collections Officer focuses on recovering outstanding debts and managing delinquent accounts, often requiring strong communication skills. A Credit Analyst assesses the creditworthiness of individuals or businesses to inform lending decisions, typically requiring analytical skills and financial knowledge. Both roles are essential in financial institutions but serve different functions in credit management.

What Is a Collections Officer?

A collections officer collects debts on behalf of a company or organization. As a collections officer, you work with delinquent accounts and attempt to collect payment from the debtors. You follow all legal processes necessary to collect the amount owed, which may include taking legal action against the borrower. Your job duties may require you to locate and contact the debtors and make personal visits to collect payment. Qualifications for this career include investigative experience and excellent negotiation skills.

More about Collections Officer jobs
What cities are hiring for Collections Officer jobs? Cities with the most Collections Officer job openings:
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What states have the most Collections Officer jobs? States with the most job openings for Collections Officer jobs include:
What job categories do people searching Collections Officer jobs look for? The top searched job categories for Collections Officer jobs are:
What are popular job titles related to Collections Officer jobs? For Collections Officer jobs, the most frequently searched job titles are:
Collections Officer jobs near you
Infographic showing various Collections Officer job openings in the United States as of July 2026, with employment types broken down into 82% Full Time, 15% Part Time, 1% Temporary, and 2% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $48,388 per year, or $23.3 per hour.
Collections Officer II/Senior Collections Officer

Collections Officer II/Senior Collections Officer

SAFE Credit Union

Folsom, CA • On-site

$22.36 - $27.93/hr

Full-time

Medical, Dental, Vision, Retirement

Posted 11 days ago

Job description

Description
Hourly RangeCollections Officer II: $22.36 - $27.93
Senior Collections Officer: $25.43 - $31.78
Exact compensation may vary based on skill and experience.
THIS REQUIRES A LOCAL CANDIDATE - HYBRID
Why SAFE?
SAFE offers so much more than just full medical, vision, dental, 401k matching, HSA, and FSA! Learn more about how we support our workforce!
  • Professional Development Opportunities: Offering training programs, workshops, and mentorship.
  • Recognition and Appreciation: Regularly acknowledging employee achievements and contributions.
  • Flexible Work Arrangements: Providing options for remote work and flexible scheduling.
  • Positive Company Culture: Fostering an inclusive, collaborative, and supportive work environment.
  • Career Growth: Clear paths for career advancement and internal promotions.
  • Work-Life Balance: Encouraging a healthy balance between professional and personal life.
  • Employee Empowerment: Allowing employees to make decisions and have autonomy in their roles.
  • Space of Belonging: ERGs, YOUnity Council and a focus around diversity, equity inclusion and belonging.
  • Wellness Programs: Promoting physical and mental health through wellness initiatives and resources.
  • Strong Leadership: Having leaders who inspire, support, and guide their teams effectively.
  • Sense of Purpose: Creating a sense of mission and aligning company goals with employees' personal values.

COLLECTIONS OFFICER II
POSITION PURPOSEResponsible for contacting assigned members who are past due or over limit on their loans to make satisfactory payment arrangements. Work with members to achieve credit-worthy status by offering appropriate workout solutions to fit members' specific needs. Perform skip-tracing duties on assigned accounts. Recommend and prepare accounts for repossession and legal action.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
  • Maintain a thorough understanding of the Fair Debt Collection Practices Act, as well as state and federal regulations pertaining to collections.
  • Contact assigned past-due or over-limit accounts to set up adequate payment arrangements.
  • Recommend and prepare accounts for repossession and legal action and submit to Senior Collections Officer or WTL for approval.
  • Recommend accounts for cancellation of lines of credit and credit union services to Senior Collections Officer or WTL.
  • Discuss reasons for delinquency with members to determine if there is a viable solution and recommend appropriate workout solutions.
  • Meet assigned goals over a twelve-month period.
  • Perform skip-tracing duties.
  • Review accounts to determine that delinquency was not caused by Credit Union error.
  • Verify that member contact information is accurate and reason for delinquency has been updated.
  • Maintain knowledge of rules that apply to each collateral code.
  • Prepare and mail late notice, co-maker, and share loan letters.
  • Other duties, as assigned

QUALIFICATIONS
Education/Certification:High school diploma or general education degree (GED); or one to three years of related experience and/or training; or an equivalent combination of education and experience.
Experience Required:To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Skills/Abilities:
  • Ability to demonstrate professional communication skills.
  • Ability to speak clearly and forcefully.
  • Ability to work well individually and in a team setting.
  • Thorough understanding of consumer financial services and collecting bad debt.
  • Ability to use good business judgment.
  • Ability to resolve most member complaints prior to escalation.
  • Ability to use a personal computer, with emphasis on Microsoft Word, 10key, adding machine, and other related equipment.
  • Thorough understanding of Temenos, Accurint, DNA, and any other applicable SAFE Credit Union programs.
  • Good understanding of qualifications for SAFE's workout programs.

SENIOR COLLECTIONS OFFICER
POSITION PURPOSEResponsible for contacting assigned members who are past due or over limit to make satisfactory payment arrangements. Work with members to achieve credit-worthy status by offering appropriate workout solutions. Assign accounts for repossession and legal action. Assist in training new and existing Collections staff. Ensure SAFE is in compliance with Fair Debt Collection Practices and all state and federal regulations pertaining to collections.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
  • Maintain expert knowledge of Fair Debt Collection and all applicable state and federal guidelines pertaining to collections, keeping track of legislation changes.
  • Contact and collect on assigned past due and over limit accounts to make adequate payment arrangements.
  • Resolve member issues related to collections.
  • Assign and approve accounts for repossession and legal action.
  • Assign and approve accounts for cancellation of credit limit and Credit Union services.
  • Meet assigned goals over a twelve-month period.
  • Assist in the maintenance of the online collection system.
  • Discuss reasons for delinquency with members to determine viable workout solutions.
  • Provide training to new and existing Collections staff.
  • Recommend, prepare, and assign loans for charge-off.
  • Reconcile appropriate general ledger accounts.
  • Prepare assigned collection reports.
  • Prepare and mail late notices, co-maker, and share loan letters.
  • Assist in weekly CPI reconciliation.
  • Ability to resolve member complaints prior to escalation.
  • Perform other duties, as assigned.

QUALIFICATIONS
Education/Certification:Associate's degree or equivalent from a two-year college or technical school; or Three to five years of related experience and/or training; or an equivalent combination of education and experience.
Experience Required:To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Skills/Abilities:
  • Demonstrated skills in planning, organizing, and controlling work.
  • Good public relations and leadership skills.
  • High level of dependability, arriving within the appropriate timeframe as scheduled.
  • Good business judgment.
  • Ability to speak clearly and forcefully.
  • Good writing skills.
  • Good team player.
  • Good understanding of consumer financial services and collecting bad debt.
  • Ability to use a personal computer, with emphasis on Spectrum, Microsoft Word and Excel, 10-key adding machine, and other related equipment.
  • Thorough understanding of Temenos, Accurint, and DNA and any other applicable SAFE Credit Union programs.

WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY
LANGUAGE SKILLS
  • Excellent communication skills (verbal, written, listening skills, and empathy).
  • Expert ability to build relationships with other leaders, business partners, and stakeholders.
  • Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
  • Ability to write routine reports and correspondence.
  • Ability to speak effectively before groups of customers or employees of organization.

MATHEMATICAL SKILLS AND REASONING ABILITY
  • Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
  • Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
  • Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
  • Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS AND WORK ENVIRONMENT
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
  • While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
  • The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
  • The employee must occasionally lift and/or move up to 10 pounds.
  • Specific vision abilities required by this job include close vision.
  • The noise level in the work environment is usually moderate.

INTENT AND FUNCTION OF JOB DESCRIPTIONS
This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions. All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

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