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Credit Collections Associate Jobs in Raleigh, NC

beaconhill

Collections Specialist

Raleigh, NC

$18 - $24.25/hr

... credit, or customer account management experience * Experience handling business-to-business (B2B) ... Learn more about Beacon Hill and our specialty divisions, Beacon Hill Associates, Beacon Hill ...

SYNTEGON

Collections Specialist

Raleigh, NC

$25/hr

Analyze accounts for deductions, tax exemptions, and credit limit concerns; recommend appropriate ... Associate Degree in Accounting * 2+ years of experience in Accounts Receivable * In lieu of degree ...

SYNTEGON

Collections Specialist

Raleigh, NC · On-site

$25/hr

Analyze accounts for deductions, tax exemptions, and credit limit concerns; recommend appropriate ... Associate Degree in Accounting * 2+ years of experience in Accounts Receivable * In lieu of degree ...

SYNTEGON

Collections Specialist

Raleigh, NC

Analyze accounts for deductions, tax exemptions, and credit limit concerns; recommend appropriate ... Associate Degree in Accounting * 2+ years of experience in Accounts Receivable * In lieu of degree ...

Sysco

Driver Check in Associate - USBL - US

Raleigh, NC · On-site

$16.50 - $20/hr

Identify missed collections and notify Credit Services. * Ensure food safety protocols were ... Speak effectively before groups of customers or associates of an organization. * Must have ...

Signet Jewelers

Jewelry Sales Associate

Raleigh, NC · On-site

$16 - $20/hr

Utilize extensive knowledge of our inventory and designer collections to guide customers in making ... No push to sell warranties, credit applications, or additional products. Requirements: * Experience:

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All JobsCredit Collections Associate JobsCredit Collections Associate Jobs in Raleigh, NC

Credit Collections Associate information

See Raleigh, NC salary details

$18

$22

$25

How much do credit collections associate jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for credit collections associate in Raleigh, NC is $22.75, according to ZipRecruiter salary data. Most workers in this role earn between $21.25 and $23.61 per hour, depending on experience, location, and employer.

What are some common challenges Credit Collections Associates face when working with customers, and how are these challenges typically addressed?

Credit Collections Associates often encounter challenges such as negotiating payment plans with customers who are experiencing financial difficulties or handling situations where customers are unresponsive. These challenges are typically addressed through developing strong communication and negotiation skills, maintaining professionalism, and following company protocols for escalation. Team collaboration is also essential, as associates often work closely with supervisors or legal teams to resolve complex cases and ensure compliance with regulations.

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

To thrive as a Credit Collections Associate, you need strong analytical abilities, attention to detail, and a background in finance or accounting, often supported by a high school diploma or associate degree. Familiarity with collections management software, CRM systems, and basic Excel functions is typically required. Outstanding communication, negotiation skills, and resilience help build rapport with clients and manage challenging conversations. These skills ensure effective debt recovery, minimize financial risk, and maintain positive customer relationships for the organization.

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

AspectCredit Collections AssociateCredit Analyst
Primary RoleFocuses on collecting overdue payments and managing delinquent accountsAssesses creditworthiness of clients and analyzes credit data
Required SkillsCommunication, negotiation, debt recoveryFinancial analysis, risk assessment, data interpretation
Work EnvironmentCollections departments, customer service settingsFinance, banking, lending institutions
CertificationsTypically none required; some roles may prefer collections or finance certificationsOften requires finance or credit certifications (e.g., CFA, credit certifications)

While both roles operate within the credit industry, a Credit Collections Associate primarily handles debt recovery and account management, whereas a Credit Analyst evaluates credit risk and financial data to inform lending decisions. They share some skills but serve different functions within financial organizations.

What does a Credit Collections Associate do?

A Credit Collections Associate is responsible for contacting customers to collect outstanding payments on overdue accounts. They review account histories, negotiate payment arrangements, and provide information regarding invoices and payment terms. Their role also involves maintaining accurate records of communications and payments, and escalating unresolved accounts as needed. The goal is to ensure timely payment while maintaining positive relationships with customers.
What are the most commonly searched types of Credit Collections jobs in Raleigh, NC? The most popular types of Credit Collections jobs in Raleigh, NC are:
What are popular job titles related to Credit Collections Associate jobs in Raleigh, NC? For Credit Collections Associate jobs in Raleigh, NC, the most frequently searched job titles are:
What job categories do people searching Credit Collections Associate jobs in Raleigh, NC look for? The top searched job categories for Credit Collections Associate jobs in Raleigh, NC are:
Credit Collections Associate jobs near you
Infographic showing various Credit Collections Associate job openings in Raleigh, NC as of July 2026, with employment types broken down into 1% As Needed, 72% Full Time, 25% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $47,316 per year, or $22.7 per hour.
Collections Contact Center Associate

Collections Contact Center Associate

State Employees' Credit Union

Raleigh, NC • On-site

$17 - $23.25/hr

Full-time

Posted 13 days ago

State Employees' Credit Union (North Carolina) rating

8.2

Company rating: 8.2 out of 10

Based on 23 frontline employees who took The Breakroom Quiz

Job description

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
The Collections Contact Center Associate is responsible for the skilled and compliant management of accounts in the active collections cycle (typically 90 to 180 days past due(dpd) for consumer loans and credit cards and 1-120 dpd for Mortgage and Home Equity) across various loan products, including mortgage, consumer secured and unsecured loans, and credit cards. This role is a key component of loss mitigation, focusing on early intervention, curing delinquency, negotiating viable solutions, and providing exceptional member service. The Associate operates within a high-volume, multi-channel contact center environment, ensuring all activities strictly adhere to federal and state regulations while maximizing the return-to-current rate.
Essential Responsibilities:
Responsibilities (100%)
  • Direct Contact & Counseling: Initiate and receive high-volume inbound and outbound contacts (phone, digital) to discuss current delinquency. Maintain enhanced Right-Party Contact (RPC) and maximize the number of accounts brought current (Cure Rate). Execute on collection efforts related to segmentation and prioritization frameworks maximizing payment potential across delinquency stages and loan categories. (20%)
  • Assistance: Utilize negotiation and financial counseling techniques to secure Promises-to-Pay (PTPs), establish short-term repayment plans, confirm qualified for loan deferment, extension or credit card reage and facilitate the qualifying of members eligible for real estate secured Mortgage or Home Equity hardship assistance. (20%)
  • Regulatory Adherence: Execute all collection activities in strict adherence to federal and state regulations, including relevant aspects of the Fair Debt Collection Practices Act (FDCPA). (20%)
  • Documentation: Accurately and thoroughly document all collection efforts, member correspondence, and agreed-upon payment arrangements in the appropriate servicing and collections systems of record. Adhere to all call monitoring protocols and coaching frameworks implemented by the Manager to meet internal quality and compliance standards. (20%)
  • Referral Preparation: Identify and prepare accounts that cannot be cured for escalation to next-step processes, such as Foreclosure, Repossession, or Charge-Off recommendation, ensuring all necessary pre-cursors and documentation are complete.(10%)
  • Systems and Skip Tracing: Effectively utilize core servicing and collections systems to research account history, facilitate timely and accurate processing of payments, and update member information. Execute basic skip-tracing protocols, leveraging internal and approved external tools to locate members whose primary contact methods have failed, and update validated information in the system of record. (10%)

Required Education & Experience (Knowledge, Skills, & Abilities):
  • High School Diploma (or GED) required.
  • Minimum 0-2 direct years of experience in a high-volume collection, recovery, or contact center environment, preferably within mortgage and/or consumer lending.
  • Ability to meet and exceed key performance metrics (KPIs) such as Cure Rates, right-party contact (RPC) rates, and promise-to-pay conversion rates.
  • Fundamental verbal communication and negotiation skills, with the ability to handle difficult conversations using empathy and persuasive negotiation to resolve delinquency while adhering to regulatory guidelines and maintaining a professional and member-centric approach.
  • Knowledge of federal and state consumer financial protection laws relevant to collections, including FDCPA with the ability to quickly absorb and apply updates to compliance requirements.
  • Computer skills, including experience with collections/servicing software, skip-tracing tools, and standard office applications.
  • High level of detail orientation with the ability to accurately document all collection activities and follow process protocols.
  • Ability to operate in both inbound/outbound contact center operations.
  • Understanding of the collections process, including knowledge of bankruptcy, charge-off, repossession/foreclosure processes.
  • Knowledge and understanding of mortgage and consumer loan servicing operational systems and technologies.

Preferred Education & Experience (Knowledge, Skills, & Abilities):
  • Banking/Credit Union or Collections related Industry certifications are a plus.
  • Bachelor's degree in business administration, finance, or a related field preferred.
  • Experience preferred with systems including but not limited to ICE/MSP, ALS, NICE, Omilia, FDR, Default Manager, and OnBase.
  • Working knowledge of investor/insurer servicing guidelines (e.g., Fannie Mae, Freddie Mac) for mortgage collections.
  • Experience with telephony systems, including IVR and quality monitoring and call recording systems (e.g., NICE).

Job Environment & Physical Requirements:
  • Work is performed in an office setting, hybrid or remote.
  • Internal candidates meeting all requirements will be given preference.
  • Other duties as assigned by leadership

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.

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