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Credit And Collections Associate Jobs (NOW HIRING)

Charlie Health

Collections Associate

Nashville, TN · Hybrid

$17 - $23.25/hr

Processing invoice and credit requests in accordance with collections guidelines * Timely response to inquiries received from other departments associated with patients care * Navigate and gather ...

AVIAT US INC

Credit & Collections Specialist

Austin, TX · On-site

$21.75 - $29/hr

A Bachelor's or Associate Degree in Business Administration, Finance, Management, or equivalent experience is preferred. * 5 years of prior experience in credit and collections is desirable.

Visionaire Partners

Collections Associate

Cumberland, GA · On-site

$20/hr

Collections Analyst Looking for your next challenging opportunity? Then this role is for you! We ... Monitor aging accounts, assess risk, implement collection actions, and place accounts on credit ...

Broward College

$18.50 - $25/hr

Associate's degree required. Minimum Experience/Training: Three or more years of functional ... Credit & Collections Position Number P0005758 Job Status Full time Regular Department Accounts ...

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Credit And Collections Associate information

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How much do credit and collections associate jobs pay per hour?

As of Jul 22, 2026, the average hourly pay for credit and collections associate in the United States is $23.40, according to ZipRecruiter salary data. Most workers in this role earn between $21.88 and $24.28 per hour, depending on experience, location, and employer.

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

To thrive as a Credit and Collections Associate, you need a solid understanding of accounting principles, financial analysis, and credit risk assessment, usually supported by a degree in finance or accounting. Familiarity with ERP systems, credit management software, and spreadsheets is typically required, along with knowledge of relevant regulations. Strong negotiation, communication, and problem-solving skills help in resolving disputes and building positive relationships with clients. These skills ensure timely collections, minimize bad debt, and maintain healthy cash flow for the organization.

What is a credit and collections associate?

A credit and collections associate is responsible for managing customer accounts to ensure timely payments and recover overdue balances. They review credit histories, communicate with customers, and use collection tools to resolve outstanding debts, often working within financial or accounting software. Strong communication skills and knowledge of credit policies are essential for this role.

What are Credit and Collections Associates?

Credit and Collections Associates are professionals responsible for managing a company’s accounts receivable. Their main tasks include reviewing credit applications, assessing customer creditworthiness, monitoring outstanding balances, contacting customers regarding overdue payments, and negotiating payment arrangements. They play a key role in ensuring timely cash flow and minimizing financial risks for the organization. Effective communication, attention to detail, and knowledge of financial regulations are important skills for this position.

What is the difference between Credit And Collections Associate vs Accounts Receivable Clerk?

AspectCredit And Collections AssociateAccounts Receivable Clerk
Primary RoleManaging credit risk, collecting overdue payments, and maintaining customer credit profilesRecording and processing incoming payments, invoicing, and reconciling accounts
Required SkillsCommunication, negotiation, knowledge of credit policiesData entry, attention to detail, basic accounting skills
Work EnvironmentOffice setting, interacting with customers and sales teamsOffice setting, primarily clerical and administrative tasks
Common CertificationsCredit and collections certifications, accounting knowledgeBasic accounting or bookkeeping certifications often preferred

While both roles involve financial processes, the Credit And Collections Associate focuses on managing credit risk and collecting overdue payments, whereas the Accounts Receivable Clerk handles invoicing and recording payments. The associate role typically requires stronger communication and negotiation skills, with a focus on credit management, making it distinct in responsibilities and skill set.

Is credit and collection a good job?

A credit and collections associate role involves managing customer accounts, assessing creditworthiness, and pursuing overdue payments, often requiring strong communication and negotiation skills. The job can offer stable employment and opportunities for advancement, but it may involve high-pressure situations and repetitive tasks. Overall, it can be a good career choice for those interested in finance and customer service.

What does a collection associate do?

A collection associate is responsible for contacting customers to collect overdue payments, verifying account information, and negotiating payment arrangements. They often use collection software and must adhere to legal and company policies while maintaining professional communication. Strong negotiation and communication skills are essential for success in this role.

How does a Credit and Collections Associate typically collaborate with sales and customer service teams to resolve payment issues?

Credit and Collections Associates frequently work alongside sales and customer service teams to address overdue accounts and resolve customer payment concerns. They coordinate with sales to understand client relationships and any special arrangements, and partner with customer service to clarify billing disputes or product issues that may delay payments. This collaborative approach ensures that payment problems are handled efficiently while maintaining positive client relationships, which is essential for both customer retention and cash flow management.

What is the highest paying collection job?

The highest paying collection jobs are often senior or specialized roles such as Collections Manager or Credit Manager, which require experience, leadership skills, and sometimes certifications like Certified Credit and Collection Professional (CCCP). These positions typically offer higher salaries due to increased responsibility and expertise in managing large portfolios or complex accounts.
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Credit And Collections Associate jobs near you
Infographic showing various Credit And Collections Associate job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $48,674 per year, or $23.4 per hour.
Collections Associate I

Collections Associate I

BLACK HILLS FEDERAL CREDIT UNION

Rapid City, SD • On-site

$17.25 - $23.75/hr

Other

Posted 10 days ago

Job description

Who We Are

We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.

At BHFCU, we're committed to improving the lives of our members every day, and we look for people who share that passion. Don't have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.

General Purpose: Assist with the collection activity on delinquent accounts. Assist in the preparation of necessary reports for Management and the Board of Directors. Provide financial counseling for those members needing assistance. Perform quality control audits on loan files and computer records.

Essential Duties/Responsibilities

  • Assist with daily collection operations and maintain the centralized collections queue as directed by AVP Collections. Responsible for the initial collection of delinquent loans as directed by the AVP Collections. Implement and execute all AVP Collections and CLO approved decisions.
  • First point of contact with members via letter, phone, text messages, and email for loans that are in delinquent status.
  • Make payment arrangements and provide financial education to member's in order to establish payment plans to bring member's loan current.
  • Work various Collection Dept reports, conduct research and perform clerical tasks as assigned by AVP Collections.
  • Communicate offset of funds with members who are in delinquent loan status per applicable loan disclosures.
  • Perform skip-tracing on delinquent accounts.
  • Investigate and resolve member's credit bureau disputes via mail, email, or phone call.

Other Duties/Responsibilities

  • Maintain records to support collection activity on accounts assigned for collection.
  • Assist AVP Collections with collection reports for comparability and analysis.
  • Assist with calls related to garnishments, bankruptcy, repossessions, and third-party collections as assigned by AVP Collections. Direct members to appropriate resources.
  • Ensure confidentiality and security of all loans assigned for collections.
  • Take necessary actions such as reviewing/revoking credit cards or line-of-credit or placing funds on hold when necessary.
  • Ability to work flexible hours when deemed necessary by AVP Collections.
  • Perform other duties as may be assigned by AVP Collections or CLO.

Job Qualifications (Knowledge)

  • Knowledge of laws and regulations affecting lending and collections.
  • Knowledge of bankruptcy, repossessions, and third-party collections.
  • Knowledge of organization's policies/procedures and Credit Union's service philosophy.
  • Knowledge of the Credit Union's in-house computer system.
  • Knowledge of the Credit Union's products and services.
  • Knowledge of the legal, insurance, regulatory, economic, competitive, and technology environments that may affect the collections operation function.

Job Qualifications (Skills)

Black Hills FCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.

  • Vision: A sighted person to read and interpret financial data.
  • Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
  • Manual Dexterity: Ability to perform necessary computer-related input.
  • Physical Mobility: Moderate mobility required. Requires the ability to work flexible hours.

Job Qualifications (Ability)

  • Ability to understand and follow complex written and oral instructions.
  • Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
  • Ability to express oneself, clearly and concisely, both orally and in writing.
  • Ability to interact positively with co-workers, management, and the public to promote a team effort and maintain a positive attitude even under extreme pressure.
  • Ability to remain professional and calm during conversations for members who are in delinquent status.
  • Ability to provide financial education and World Class Member Service while collecting overdue payments from members.
  • Ability to think critically and provide recommendations for the member's financial well-being. Refer members to appropriate CU representative for financial products/services where applicable.
  • Ability to prepare and maintain confidential records and reports.
  • Ability to gather, assemble, correlate, and analyze facts and develop solutions.
  • Ability to analyze statistics and financial data.

Job Qualifications (Education/Experience)

Collections Associate I:

  • Job requires a high school level of language, math and reasoning skills. Zero to two years' experience in a related field with equal responsibilities is acceptable. Formal training should be supplemented with continuing education.

Collections Associate II:

  • Meets the essential job functions, knowledge, skills and ability requirements for a Collections Associate I.
  • 3 or more years of relevant experience in a related field provided the candidate has held equivalent responsibilities. Formal training should be complemented by ongoing professional development.
  • Ability to independently manage the collections queue assignments and set deadlines.
  • Ability to collaborate with team members and cross-train where appropriate.
  • Ability to process third party payments
  • Responsible for flagging accounts for charge off.
  • Ability to process garnishments.
  • Ability to work on various reports with internal and external stakeholders.
  • Ability to process consumer credit counseling proposals and payments.
  • Prepare and send documents to third-party vendors as requested.
  • Elevated ability for high-conflict conversations with members and vendors.

Working Conditions

Material and Equipment Involved

  • In-House Computer System
  • Various Software Applications
  • Scanners
  • WebEx

Work Environment/Physical Activities

Occasional travel to one of BHFCU's branch locations or attendance at community events may be required

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Notice: This job description is not intended to be, nor should it be construed as, a contract or guarantee for employment. BHFCU adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of the Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.

Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.

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