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Debt Collection Officer Jobs in California (NOW HIRING)

Sonance

Credit Manager

San Clemente, CA · On-site

... , and cross-functional partners in Sales, Operations, and Customer Service, the Credit Manager monitors the aging of accounts, manages the bad debt reserve, and ensures the timely collection of ...

SONANCE

Credit Manager

San Clemente, CA · On-site

... , and cross-functional partners in Sales, Operations, and Customer Service, the Credit Manager monitors the aging of accounts, manages the bad debt reserve, and ensures the timely collection of ...

Sonance

Credit Manager

San Clemente, CA · On-site

$100K - $120K/yr

... , and cross-functional partners in Sales, Operations, and Customer Service, the Credit Manager monitors the aging of accounts, manages the bad debt reserve, and ensures the timely collection of ...

Dana Innovations Inc

Credit Manager

San Clemente, CA · On-site

... , and cross-functional partners in Sales, Operations, and Customer Service, the Credit Manager monitors the aging of accounts, manages the bad debt reserve, and ensures the timely collection of ...

Exchange Bank

Special Assets Officer

Santa Rosa, CA

... collection of past due payments, and liquidation of asset(s). * Manage SBA liquidation process ... Work directly with borrowers to restructure debt and create workout plans. * Analyze financial ...

Exchange Bank

Special Assets Officer

Santa Rosa, CA · On-site

... collection of past due payments, and liquidation of asset(s). * Manage SBA liquidation process ... Work directly with borrowers to restructure debt and create workout plans. * Analyze financial ...

Exchange Bank

Special Assets Officer

Roseville, CA · On-site

... collection of past due payments, and liquidation of asset(s). * Manage SBA liquidation process ... Work directly with borrowers to restructure debt and create workout plans. * Analyze financial ...

Exchange Bank

Special Assets Officer

Roseville, CA · On-site

... collection of past due payments, and liquidation of asset(s). * Manage SBA liquidation process ... Work directly with borrowers to restructure debt and create workout plans. * Analyze financial ...

Exchange Bank

Special Assets Officer

Roseville, CA

... collection of past due payments, and liquidation of asset(s). * Manage SBA liquidation process ... Work directly with borrowers to restructure debt and create workout plans. * Analyze financial ...

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All JobsDebt Collection Officer JobsDebt Collection Officer Jobs in California

Debt Collection Officer information

See California salary details

$13

$22

$40

How much do debt collection officer jobs pay per hour?

As of Aug 13, 2026, the average hourly pay for debt collection officer in California is $22.96, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $29.18 per hour, depending on experience, location, and employer.

What is the difference between Debt Collection Officer vs Credit Analyst?

AspectDebt Collection OfficerCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentCollections agencies, banks, or financial institutionsBanks, lending companies, or financial services firms
Employer & Industry UsagePrimarily in debt recovery and collectionsIn credit risk assessment and loan approval
Common Search & Comparison IntentUnderstanding roles in debt recoveryEvaluating creditworthiness and financial analysis

While both roles operate within the financial industry, a Debt Collection Officer focuses on recovering overdue debts, often working directly with delinquent accounts. A Credit Analyst assesses credit risk and helps determine loan eligibility. The roles differ in their primary functions but share some credentials and industry environments, making them common points of comparison for job seekers and employers alike.

What qualifications do I need to be a debt collection officer?

A debt collection officer typically needs a high school diploma or equivalent; some employers prefer post-secondary education or relevant experience. Strong communication, negotiation skills, and knowledge of debt collection laws are important. Familiarity with collection software and the ability to handle difficult conversations are also beneficial.

What skills and qualifications are needed to be a debt collection officer?

To thrive as a Debt Collection Officer, you need strong negotiation, communication, and analytical skills, often supported by a background in finance or related fields. Familiarity with debt collection software, CRM systems, and compliance regulations such as the Fair Debt Collection Practices Act (FDCPA) is typically required. Persistence, professionalism, and conflict resolution abilities help build rapport with debtors and maintain positive client relationships. These skills and qualities are vital for efficiently recovering debts while upholding ethical standards and minimizing legal risks.

What is a debt collection officer?

Debt Collection Officers are professionals responsible for recovering unpaid debts from individuals or businesses on behalf of creditors or collection agencies. Their duties include contacting debtors by phone, email, or mail, negotiating repayment plans, and maintaining records of all interactions and payments. They must follow legal and ethical guidelines to ensure fair treatment of debtors while maximizing the recovery of outstanding amounts. Strong communication, negotiation, and problem-solving skills are essential for success in this role.

How does a debt collection officer collaborate with legal and finance teams?

As a Debt Collection Officer, you will often work closely with both legal and finance departments to ensure outstanding debts are collected in compliance with regulations. You may coordinate with the finance team to verify account details and payment histories, while collaborating with legal professionals when escalated cases require formal recovery actions. This teamwork is essential for navigating complex cases and maintaining a professional, ethical approach to collections. Open communication and a clear understanding of each department’s role help streamline processes and improve recovery rates.

How do you become a debt collection officer?

To become a debt collection officer, candidates typically need a high school diploma or equivalent and should develop skills in communication, negotiation, and customer service. Some employers prefer candidates with experience in finance or collections, and obtaining relevant certifications or training can improve job prospects. The role often requires understanding of debt laws and the use of collection software.

What are popular job titles related to Debt Collection Officer jobs in California?

For Debt Collection Officer jobs in California, the most frequently searched job titles are:

What job categories do people searching Debt Collection Officer jobs in California look for?

The top searched job categories for Debt Collection Officer jobs in California are:

Debt Collection Officer jobs near you
Infographic showing various Debt Collection Officer job openings in California as of August 2026, with employment types broken down into 92% Full Time, 6% Part Time, and 2% Temporary. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $47,755 per year, or $23 per hour.

Loss Mitigation Officer 1

American First Credit Union

Brea, CA • On-site

$24.35 - $36/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Job description

Loss Mitigation (Collection) Officer 1

As an American First Associate, you’ll play a vital role in serving the community while enjoying a rewarding career. We are a $1 Billion financial institution located in Orange County looking for Collections Officer with excellent customer service skills, initiative and a desire to work in a team setting.


Position Summary

As a Loss Mitigation Officer, you will collect on delinquent loans and over-drawn accounts to minimize losses and ensure that Credit Union assets are adequately protected while maintaining favorable member relations. You will determine and recommend modified payment schedules and extensions by evaluating members’ present status in order to make provisions for recovering outstanding balances. In addition, this position is responsible for processing all types of member levies and subpoena requests.


Qualifications

  • Minimum one-year experience in collections
  • Working knowledge and experience in all phases of collections, including bankruptcy, repossessions, fraud, skip-tracing, small claims, and truth-in-lending requirements.
  • Working knowledge of the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Federal and State collection laws terms and definitions
  • Experience with automated collection systems including word processing and spreadsheet software.
  • Experience working with digital signing software (DocuSign), video conferencing (Microsoft Teams), and the ability to use online and digital resources to collaborate with others remotely.

The salary range for this position is $24.35-$30.44-$-$36.00

The salary range for positions are based on current market industry studies as well as job evaluations.

During the offer phase Management will determine the appropriate compensation within the compensation range based on experience, education and internal equity.


Schedule

  • Onsite Position Mon-Fri (40 hours a week) with an opportunity to work in a hybrid environment after 90 days of employment.
  • Monday-Friday 8:00 am – 4:30 pm
  • Occasional late shift 11:15 am-7:45 pm
  • Must Reside in California


Safe and Secure Since 1952. At American First, our allegiance is to the Member. As a financial cooperative, owned entirely by Members, our goal is to provide the highest quality financial services at the lowest possible cost. We offer excellent benefits: medical, dental, vision, paid life, Long term disability and AD&D insurance, generous 401(K) plan with employer match, free banking and discounts on consumer loans, paid holidays, vacation, sick, flexible spending accounts, tuition reimbursement, special recognition programs and much more.

To learn more about us, please visit us at https://www.amerfirst.org/JoinOurTeam.aspx




We perform thorough background and credit check.

American First Credit Union is an EEO/AA/Disability/Vets Employer

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