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Credit Collections Analyst Jobs in Reston, VA (NOW HIRING)

CityFirst Bank

Special Assets Officer

Washington, DC · On-site

$145K - $155K/yr

Manages Collections Officers and third-party collections vendors in an effort to optimize ... Formal training in credit analysis, bankruptcy, loan workouts or restructuring KNOWLEDGE, SKILLS ...

Visa

Director, VCA NA Risk Practice

Ashburn, VA · On-site

... analytical outputs into clear business decisions and actionable recommendations. * Conduct credit maturity assessments across onboarding, underwriting, line management, and collections processes ...

Socket.dev

Senior Manager- Data Analysis (Card)

Mclean, VA · On-site

$201 - $229/hr

When we launched as a startup we disrupted the credit card industry by individually personalizing ... We have advanced proprietary technology for pricing, risk management, and collections. Our card ...

New

LYON BAKERY INC

Senior Accounting Specialist

MD · On-site

$80K - $100K/yr

We are seeking a highly skilled, analytical, and solution-driven Senior Accounting Specialist to ... Manage line of credit balances and monitor banking covenants on a monthly and quarterly basis.

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All JobsCredit Collections Analyst JobsCredit Collections Analyst Jobs in Reston, VA

Credit Collections Analyst information

See Reston, VA salary details

$16

$27

$36

How much do credit collections analyst jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for credit collections analyst in Reston, VA is $27.18, according to ZipRecruiter salary data. Most workers in this role earn between $23.03 and $31.78 per hour, depending on experience, location, and employer.

Do credit collections analysts make good money?

Credit collections analysts typically earn a median salary that is competitive within the finance and collections fields, with pay often increasing with experience and certifications. They may also receive bonuses or commissions based on recovery performance, and the role often requires strong communication and negotiation skills. Overall, the position can provide a stable income with opportunities for advancement.

How much do credit collections analysts make in the US?

Credit collections analysts in the US typically earn an average salary ranging from $40,000 to $60,000 per year, depending on experience, location, and employer. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher salaries, often supplemented with bonuses or commissions.

What are the key skills and qualifications needed to thrive as a credit collections analyst?

To thrive as a Credit Collections Analyst, you need a strong understanding of accounting principles, financial analysis, and credit risk assessment, often backed by a degree in finance or a related field. Familiarity with ERP systems, collections software, and proficiency in Excel are typically required, along with certifications such as the Credit Business Associate (CBA) being advantageous. Excellent negotiation, problem-solving, and interpersonal communication skills help in managing client relationships and resolving outstanding debts. These skills are vital for minimizing financial losses, optimizing cash flow, and maintaining positive business relationships.

What is the difference between Credit Collections Analyst vs Credit Analyst?

AspectCredit Collections AnalystCredit Analyst
Primary FocusRecovering overdue payments and managing collectionsAssessing creditworthiness and approving credit lines
Required SkillsDebt recovery, negotiation, communicationFinancial analysis, risk assessment, credit scoring
Work EnvironmentCollections departments, finance teamsBanking, lending institutions, corporate finance
CertificationsOften no formal certification, but experience valuedCertifications like CFA or credit-specific courses

While both roles involve credit management, the Credit Collections Analyst primarily focuses on recovering overdue payments and managing collections, whereas the Credit Analyst evaluates credit risk and approves credit lines. The roles share skills in financial analysis but differ in their core responsibilities and work environments.

How does a credit collections analyst typically collaborate with sales and customer service teams to resolve outstanding accounts?

Credit Collections Analysts frequently work alongside sales and customer service teams to address overdue accounts while maintaining positive client relationships. They coordinate with sales representatives to gain insights into customer payment behaviors and discuss possible solutions, such as payment plans or dispute resolutions. Additionally, they rely on customer service teams to communicate policy changes or clarify billing issues, ensuring that all parties are aligned in pursuing timely payments without compromising customer satisfaction. This cross-functional collaboration is essential for effective collections and for supporting overall business objectives.

What is a credit collections analyst?

Credit Collections Analysts are professionals responsible for managing and analyzing a company's accounts receivable to ensure timely collection of outstanding payments from clients or customers. They assess credit risk, monitor overdue accounts, communicate with clients regarding payment issues, and develop strategies to minimize bad debt. Their role is vital in maintaining a healthy cash flow and reducing financial risk for the organization.

What job categories do people searching Credit Collections Analyst jobs in Reston, VA look for?

The top searched job categories for Credit Collections Analyst jobs in Reston, VA are:

What cities near Reston, VA are hiring for Credit Collections Analyst jobs?

Cities near Reston, VA with the most Credit Collections Analyst job openings:

Credit Collections Analyst jobs near you
Infographic showing various Credit Collections Analyst job openings in Reston, VA as of August 2026, with employment types broken down into 1% Internship, 77% Full Time, 21% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $56,528 per year, or $27.2 per hour.

Special Assets Officer

CityFirst Bank

Washington, DC • On-site

$145K - $155K/yr

Full-time

Re-posted yesterday

Job description

WHO WE ARE
City First Bank N.A. is a mission-driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments: Multifamily Affordable Housing, Not-for-Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31, 2025, our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood, CA.
ROLE SUMMARY
The Special Assets Officer is responsible for the independent management, oversight, and resolution of complex criticized and classified commercial loan relationships, including Commercial Real Estate (CRE) and C&I credits. The role focuses on loss mitigation, capital preservation, and regulatory compliance, while proactively identifying emerging risks and executing strategies to return troubled assets to performing status or achieve an optimal exit. The Special Assets Officer exercises independent credit judgment, works closely with lending, legal, and executive leadership, and plays a critical role in regulatory readiness and Board reporting.
ESSENTIAL FUNCTIONS AND RESPONSIBILITIES
Portfolio & Problem Loan Management
  • Manages an assigned portfolio of criticized, classified, non-accrual, impaired, and restructured loans, including complex CRE and relationship-based credits.
  • Proactively identifies emerging credit concerns and assumes responsibility for loans migrating to Watch, Special Mention, Substandard, Doubtful, or Loss classifications.
  • Develops, documents, and executes customized resolution strategies designed to maximize recovery, minimize loss, and align with regulatory expectations.
  • Conducts on-site inspections of collateral and borrower operations to assess condition, cash flow sustainability, and risk exposure.

Credit Governance & Risk Management
  • Ensures accurate and timely risk rating assignments, accrual status determinations, impairment analysis, and charge-off recommendations.
  • Prepares and presents written credit memoranda, strategy updates, and risk rating justifications to internal Credit, Loan, Watch List, and Problem Loan Committees.
  • Partners with Finance and Credit to support CECL qualitative and quantitative inputs related to criticized assets.
  • Identifies portfolio-level trends and root causes of deterioration and recommends policy, procedural, or underwriting enhancements.

Workout, Legal, and Enforcement Activities
  • Leads and manages loan workouts, restructures, modifications, forbearance agreements, settlements, and exit strategies.
  • Oversees loans involving bankruptcy (Chapters 7, 11, and 13), receiverships, litigation, foreclosure, deeds-in-lieu, and UCC remedies.
  • Manages and directs external legal counsel, appraisers, environmental consultants, and other third parties to ensure cost-effective and timely resolution.
  • Reviews and coordinates the negotiation of loan documentation and enforcement actions in accordance with Bank policy and legal requirements.

Financial & Collateral Analysis
  • Performs and reviews global cash flow analysis, guarantor support assessments, stress testing, and collateral valuation sensitivity analysis.
  • Reviews and evaluates updated appraisals, rent rolls, operating statements, environmental reports, and inspection findings.
  • Assesses borrower and guarantor financial capacity, management quality, and operational viability to inform resolution decisions.

Regulatory, Audit & Reporting Responsibilities
  • Serves as a subject matter expert during regulatory examinations, audits, and internal reviews related to criticized assets and special assets governance.
  • Prepares criticized asset narratives, concentration analysis, and trend reporting for senior management and the Board of Directors.
  • Ensures adherence to interagency guidance, loan policy, credit procedures, and applicable federal and state regulations.
  • Responds promptly to regulatory, audit, and compliance findings and leads remediation efforts when necessary.

Provides guidance and mentorship to Relationship Managers and Commercial Loan Officers on early-warning indicators, risk mitigation, and borrower negotiations.
  • Manages Collections Officers and third-party collections vendors in an effort to optimize collection efforts.
  • Leads by example, embodying City First Bank's shared values of putting the customer and community FIRST, thinking BIG, modeling EXCELLENCE, and operating as ONE City First.

Requirements
EDUCATION & EXPERIENCE
Required Education/Experience:
  • Bachelor's degree in accounting, Business, Finance, or a related field or an equivalent of 6+ years of progressive commercial banking experience.
  • 7+ years of commercial banking experience, including 3-5 years in problem loan management, special assets, workout, or collections.
  • Demonstrated experience managing complex CRE and relationship-based credits

CERTIFICATIONS (Preferred, Not Required)
  • Certified Problem Loan Manager (CPLM)
  • Certified Credit Officer (CCO)
  • Formal training in credit analysis, bankruptcy, loan workouts or restructuring

KNOWLEDGE, SKILLS, AND ABILITIES
Required Knowledge & Skills:
  • Strong knowledge of commercial and CRE credit analysis, risk rating systems, criticized/classified asset governance, and loan accounting.
  • Working knowledge of bankruptcy law, foreclosure processes, collateral enforcement, and regulatory credit guidance.
  • Ability to balance risk mitigation with relationship management in sensitive and high-risk situations.
  • Excellent oral, written, and presentation skills, including the ability to communicate complex issues to senior leadership and the Board.
  • Strong analytical skills with the ability to make sound, independent credit judgments.
  • Demonstrated ability to influence outcomes without direct authority and manage conflict professionally.
  • Highly organized with strong time management skills and attention to detail.
  • Proficient in Microsoft Office and banking credit systems.
  • High degree of professional judgment, discretion, integrity, and accountability.
  • Clear written and oral communications
  • Excellent Presentation skills

Salary Description
$145,000 - $155,000, annually

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