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Entry Level Collections Jobs in Michigan (NOW HIRING)

NGK Detroit

Accountant - Entry Level

Novi, MI · On-site

... R and collections. * Maintain six week forecast of intercompany loan and ensure balance within required thresholds * Work with ERP vendor to maintain system performance and enhancements.

NGK Detroit

Accountant - Entry Level

Novi, MI · On-site

... R and collections. * Maintain six week forecast of intercompany loan and ensure balance within required thresholds * Work with ERP vendor to maintain system performance and enhancements.

OneMain Financial

Personal Loan Consultant

Wayne, MI · On-site

... Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance ...

OneMain Financial

Consumer Lending Advisor

Wayne, MI · On-site

... Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance ...

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All JobsCollections JobsEntry Level Collections JobsEntry Level Collections Jobs in Michigan

Entry Level Collections information

See Michigan salary details

$11

$18

$26

How much do entry level collections jobs pay per hour?

As of Jul 7, 2026, the average hourly pay for entry level collections in Michigan is $18.71, according to ZipRecruiter salary data. Most workers in this role earn between $15.48 and $20.96 per hour, depending on experience, location, and employer.

What is the difference between Entry Level Collections vs Collections Specialist?

AspectEntry Level CollectionsCollections Specialist
Required CredentialsHigh school diploma or equivalent; basic understanding of credit and financeHigh school diploma; some roles may prefer or require additional certifications
Work EnvironmentOffice setting, often in call centers or finance departmentsOffice environment, handling overdue accounts and customer communication
Employer & Industry UsageCommon in banking, finance, healthcare, and retail sectorsTypically found in similar industries, with more experience expected
Search & Comparison IntentEntry level roles for those starting in collectionsMore experienced roles with increased responsibilities

Entry Level Collections positions are designed for individuals starting their careers in debt collection, requiring basic financial knowledge and communication skills. Collections Specialists usually have some experience and handle more complex accounts, often earning higher pay and taking on additional responsibilities. Both roles are vital in finance and customer service sectors, but they differ mainly in experience level and scope of work.

What are entry level collections jobs?

Entry level collections jobs involve contacting individuals or businesses to remind them of overdue payments and assist them in resolving outstanding debts. Employees in these roles typically make phone calls, send emails or letters, and update account records with payment information. They may also negotiate payment arrangements and answer questions about account balances. These positions usually require strong communication skills, basic computer proficiency, and the ability to handle sensitive situations professionally. Training is often provided on company procedures and relevant regulations.

What are the key skills and qualifications needed to thrive as an Entry Level Collections Specialist, and why are they important?

To thrive as an Entry Level Collections Specialist, you need strong communication skills, basic math proficiency, and a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, payment processing systems, and basic office applications is typically required. Persistence, negotiation skills, and professionalism are crucial soft skills that help navigate sensitive financial conversations. These skills ensure effective debt recovery while maintaining positive customer relationships and compliance with regulations.

What are some common challenges faced by entry level collections professionals, and how can they be managed effectively?

Entry level collections professionals often encounter challenges such as handling difficult conversations with customers, meeting collection targets, and maintaining accurate records. Managing these challenges requires strong communication skills, empathy, and a solution-oriented approach to help customers find workable payment solutions. Support from experienced team members, regular training, and using established scripts or guidelines can also help new collectors build confidence and improve their effectiveness in the role.
What are the most commonly searched types of Collections jobs in Michigan? The most popular types of Collections jobs in Michigan are:
Entry Level Collections jobs near you
Infographic showing various Entry Level Collections job openings in Michigan as of July 2026, with employment types broken down into 81% Full Time, 15% Part Time, 1% Temporary, and 3% Contract. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $38,914 per year, or $18.7 per hour.
Entry Level Mortgage Collections

Entry Level Mortgage Collections

United Wholesale Mortgage

Pontiac, MI

$17.50 - $23.75/hr

Full-time

Posted 21 days ago

United Wholesale Mortgage rating

7.8

Company rating: 7.8 out of 10

Based on 95 frontline employees who took The Breakroom Quiz

93rd of 146 rated financial services

Job description

Overview

Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.

It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life.

From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.

More reasons you’ll love working here include:

  • Paid Time Off (PTO) after just 30 days
  • Additional parental and maternity leave benefits after 12 months
  • Adoption reimbursement program
  • Paid volunteer hours
  • Paid training and career development
  • Medical, dental, vision and life insurance
  • 401k with employer match
  • Mortgage discount and area business discounts
  • Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
  • Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon 
  • Gourmet cafeteria featuring homemade breakfast and lunch
  • Convenience store featuring healthy grab-and-go snacks
  • In-house Starbucks and Dunkin
  • Indoor/outdoor café with Wi-Fi

Responsibilities

  • Serve as the primary point of contact for customers with past-due loans at any delinquency stage.
  • Initiate outbound calls and manage inbound inquiries to resolve delinquent loan accounts.
  • Identify the root cause of delinquency through active listening and financial discovery.
  • Educate customers on loan status, payment expectations, and consequences of continued delinquency.
  • Assist customers in bringing accounts current using approved options, including:
    • Reinstatements
    • Promise to Pay (PTP) arrangements
    • Repayment Plans
    • Forbearance options
  • Monitor and follow up on active payment arrangements to ensure adherence and success.
  • Determine when a loan should be escalated and transitioned to Loss Mitigation (LM) based on customer hardship, delinquency progression, or policy requirements.
  • Act as an advocate for the customer while balancing risk, compliance, and investor guidelines.
  • Maintain accurate, detailed, and timely documentation of all borrower interactions in the loan servicing system.
  • Ensure full compliance with all applicable regulations and policies, including FDCPA, RESPA, CFPB, and state-level guidelines.
  • Meet or exceed performance metrics related to resolution rates, call quality, compliance, and customer experience.

Qualifications

Must-Have Qualifications

  • High school diploma or equivalent required; associate or bachelor’s degree preferred.
  • Preferred: 1+ years of experience in mortgage servicing, collections, loss mitigation, or customer advocacy.
  • Working knowledge of delinquency cycles, mortgage loan terms, and default resolution strategies.
  • Strong understanding of customer hardship conversations and financial counseling techniques.
  • Excellent verbal and written communication skills.
  • Proven ability to de-escalate difficult conversations with empathy and professionalism.
  • High attention to detail with strong documentation and system navigation skills.
  • Preferred: Proficiency in Microsoft Office (Word, Excel, Outlook) and loan servicing platforms (e.g., MSP).

Nice-to-Have Qualifications

  • Knowledge of Bankruptcy and Foreclosure referral processes.
  • Bilingual capabilities (Spanish/English strongly preferred).

What United Wholesale Mortgage employees say

Pay

Benefits

Hours and flexibility

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