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Credit Collector Jobs (NOW HIRING)

Emigrant Bank

Mortgage Loan Collector

Elmsford, NY

$60K - $75K/yr

Mortgage Loan Collector Department: Collections - Emigrant Mortgage Company Reports To: Manager ... Understand credit reporting and credit corrections (knowledge of E-Oscar filings is a plus)

Emigrant Bank

Mortgage Loan Collector

Elmsford, NY · On-site

Mortgage Loan Collector Department: Collections - Emigrant Mortgage Company Reports To: Manager ... Understand credit reporting and credit corrections (knowledge of E-Oscar filings is a plus)

Tower

Collector II

Laurel, MD · On-site

$29.21 - $36.51/hr

Hiring Range - $29.21/hr - $36.51/hr SUMMARY OF POSITION Collector II position is responsible for ... Responsible for supporting, demonstrating and promoting the Credit Union service culture.

Spruce Power

Debt Collector

Houston, TX · On-site

Debt Collector Spruce Power THE ROLE: Debt Collector Spruce Power, a leading provider of solar ... Locate customers using skip trace sites, internet, and credit bureau! * Work from multiple ...

Emigrant Bank

Mortgage Loan Collector

Elmsford, NY · On-site

$60K - $75K/yr

Mortgage Loan Collector Department: Collections - Emigrant Mortgage Company Reports To: Manager ... Understand credit reporting and credit corrections (knowledge of E-Oscar filings is a plus)

SunWest Credit Union

Be Seen First

Collector I

Glendale, AZ · On-site

$19.50 - $22/hr

Collector I Division/Department: Collections Reports to: Collections Manager/Director of ... Understanding of Credit Union Philosophy * Excellent computer efficiency (MS Office/Word/Excel and ...

Centris

Collector

Omaha, NE · On-site

$18.16 - $19.97/hr

Collector Location: Centris Headquarters (132nd & Pacific St) Hours: Monday - Friday 8:30am to 5 ... the credit union, this is the opportunity for you! In this role, you'll be responsible for ...

D & A Services, LLC

Collector - Metairie

Metairie, LA · On-site

$18 - $25/hr

Minimum of 3 years of experience as a Debt Collector in a third party environment with an emphasis on credit card collections. * Strong communication skills: Excellent verbal and written ...

D & A Services, LLC

Collector - Metairie

Metairie, LA · On-site

$18 - $25/hr

Minimum of 3 years of experience as a Debt Collector in a third party environment with an emphasis on credit card collections. * Strong communication skills: Excellent verbal and written ...

GESA CREDIT UNION

Collector I

Richland, WA · On-site

$20 - $39.98/hr

About - Gesa Credit Union Role Summary: Under the direction of the Collections Manager/Team Leader, the Collector I requests and pursues payment on delinquent accounts through communication with ...

First Credit Services Inc

Bilingual Collector

Columbus, GA · On-site

$15.25 - $20.50/hr

The Collector will identify delinquent accounts, locate and notify customers of delinquent status, initiate appropriate action to recover balances, and maintain all related records. Supervisory ...

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Credit Collector information

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$14

$19

$23

How much do credit collector jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for credit collector in the United States is $19.01, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $21.63 per hour, depending on experience, location, and employer.

What is a credit collector?

The job of a credit collector is to locate and contact customers with delinquent or unpaid bills and convince them to pay. Your responsibilities in this career are to perform research to locate the customer, find the proper contact information, and call them to discuss how they can pay back their debts. You may be authorized to negotiate timeframes and payment plans, assess any mitigating circumstances, and pass on other billing issues or invoices to your supervisors. After negotiating and confirming the plan, you may need to do follow-up calls to ensure the debtor continues their payments.

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

To thrive as a Credit Collector, you need strong negotiation skills, attention to detail, and a good understanding of credit and collections processes, usually backed by a high school diploma or equivalent. Familiarity with collection management software, customer relationship management (CRM) systems, and relevant legal regulations is typically required. Excellent communication, persistence, and problem-solving abilities set top performers apart in this role. These skills ensure effective debt recovery while maintaining positive customer relations and compliance with industry standards.

What are some effective strategies for managing challenging conversations with overdue account holders as a credit collector?

As a Credit Collector, you'll frequently engage with customers who may be frustrated or anxious about their overdue accounts. Successful collectors use active listening, remain calm and empathetic, and clearly explain payment options to build trust and encourage cooperation. It's important to stay solution-focused, document all interactions accurately, and know when to escalate issues to a supervisor. Training and support from your team are typically available to help you navigate these challenging conversations while achieving collection targets.
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Credit Collector jobs near you
Infographic showing various Credit Collector job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $39,550 per year, or $19 per hour.

Mortgage Loan Collector

Emigrant Bank

Elmsford, NY

$60K - $75K/yr

Full-time

Posted 6 days ago

Job description

Position:                              Mortgage Loan Collector

Department:                      Collections – Emigrant Mortgage Company

Reports To:                         Manager, Collections          

Employment Status:     Full Time, Nonexempt

 

Job Summary:

The Mortgage Loan Collector is responsible for managing delinquent residential mortgage accounts and working directly with borrowers to resolve past-due obligations. This position will monitor assigned loan portfolios, conduct collection activities, establish appropriate repayment arrangements, and maintain accurate documentation of all borrower interactions and account activity.

Job Specific Responsibilities and Duties: 

  • Monitor queue, call delinquent borrowers, and send delinquent notices to borrowers
  • Gather pertinent information to determine loss mitigation options that might be suitable for individual borrowers.
  • Service a multi-state delinquent mortgage loan portfolio from early stage delinquency up until submission to Foreclosure.
  • Make daily calls to borrowers/mortgagors, using empathic listening skills to build mutual understanding and determine their reason for delinquency and financial ability to pay.
  • Documenting all incoming and outgoing mortgage collections efforts using an online collection system.
  • Negotiating short term repayment plans with delinquent borrowers and referring loans to our Loss Mitigation Department for review of long-term repayment plans, home retention or non-home retention options.
  • Reviewing mortgage loan documents to prepare and mail demand letters and legal notices – this skill is worth mentioning, but not required and will be taught in detail.
  • Review and approve the application of payments received from borrowers

Qualifications:

  • Bachelor's degree (B.A.) from four year college or university.
  • One to two years related experience and/or training; or equivalent combination and experience.
  • Possess basic knowledge of CFBP rules and regulations with regard to collections and loss mitigation options.
  • Understand bankruptcy 7, 11, & 13 filings (application of payments, filing POC and basic comprehension of notices).
  • Understand credit reporting and credit corrections (knowledge of E-Oscar filings is a plus).
  • Knowledge of the Fair Debt Collection Practice Act (FDCPA) and Consumer Financial Protection Bureau (CFPB) policies and regulations with respects to servicing mortgage loans.
  • Knowledge of Fair Credit Reporting Act (FCRA), e-OSCAR and Metro 2 formatting required for handling consumer credit disputes submitted to Credit Bureaus (Experian, TransUnion, Equifax, and Innovis) by routing  Automated Consumer Dispute Verification (ACDVs) to the Lender for review, update or deletion.
  • Strong understanding of Mortgages and familiar with the origination, terms and repayment structure.
New York pay range
$60,000—$75,000 USD