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Collections Specialist

Nicholas Financial
City of Saint Peters, MO
  • Expired: over a month ago. Applications are no longer accepted.
Job Description

The Account Resolution Specialist is responsible for contacting customers who are delinquent in their payment schedule to negotiate a payment plan.  Represents NFI in Bankruptcy and/or Small Claims Courts as necessary.  

Duties & Responsibilities

  • Initiates communication with customers (both on the phone and one-on-one) to negotiate a payment plan for past-due loans and resolve delinquent accounts.  Places notes in NFI system regarding payment dates, etc. 
  • Works closely with the Corporate Account Resolution Specialist for uncollectible cases, Chapters 13 and 7 Bankruptcies, reaffirmations, repossession, etc.
  • Represents NFI in Bankruptcy Court with the assistance and direction of the Manager of Corporate Compliance.
  • Maintains compliance with industry regulations to include the Fair Debt Collection Practices Act (FDCPA), Dodd-Frank Act, and other federal and state regulations.
  • Adheres to corporate collection policies and delinquency standards (refer to the Policies & Procedures Manual for specifics).
  • Maintains ability to effectively utilize the NFI computer system, credit bureau, office equipment, etc.  Utilizes necessary software to maintain and report data as needed.
  • Prepares routine, non-technical correspondence:  collection notices, etc.
  • Maintain file system on all notices, memorandum, and correspondence.
  • Conducts skip trace work as appropriate to locate delinquent customers, location of vehicles for repossession, etc.
  • As applicable, assists with ordering and maintaining supplies.  
  • As required, assists with the general housekeeping of the branch.
  • Performs other related job duties/special projects as assigned.


  • Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason when dealing with emotional topics.
  • Customer Service – (internal and external); manages difficult or emotional customer situations; responds promptly to customer needs; responds to request for service and assistance; meets commitments; solicits feedback to improve service.
  • Oral Communication – (one-on-one and telephone); speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to question; participates in meetings.
  • Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically upholds organizational values.
  • Attendance/Punctuality – Is consistently at work on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.
  • Dependability – Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary (nights and/or weekends) to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.
  • Initiative – Volunteers readily; undertakes self-development activities; seeks increased responsibilities; takes independent actions and calculated risks; asks for help and offers help when needed.
  • Mathematical Skills – Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.


  • Education and/or Experience – High School Diploma or equivalent; plus 1-2 years experience in a collection/bankruptcy environment; or equivalent combination of education and experience.  
  • Other Qualifications – Must maintain a valid driver’s license to conduct field calls.
  • Computer Skills – Ability to prepare letters/reports/etc/ using Microsoft Office Products, NFI software and related systems.
  • Training: Must be able to pass all of the prerequisite educational classes initially and on a periodic basis as determined by the company policy in place
  • Language Skills – Ability to read and comprehend simple instructions, short correspondence, and memos; ability to read and comprehend basic governmental regulations regarding collections and bankruptcy; ability to effectively present information and respond to questions in one-on-one and small group presentations to customers or employees.


Nicholas Financial


City of Saint Peters, MO


Finance and Insurance

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