Job Description

Job Overview

We are seeking a detail-oriented

Credit and Collections Account Specialist

to join our Loan Servicing Collections Team. You will be the primary point of contact for customers managing their payment obligations, credit disputes, and bankruptcy filings. This role ensures

accurate payment posting, compliant credit reporting, and exceptional customer service

while protecting the company's financial interests.

Key Responsibilities

Payment Processing:

Post and reconcile customer payments (ACH, check, card) accurately and timely, ensuring all transactions are correctly applied to accounts.

Data Integrity:

Input customer and transaction data into internal databases, verifying accuracy and correcting discrepancies in

real time

.

Document Handling:

Scan, categorize, and upload physical documentsto designated third-party vendor portals using strict file naming, account mapping, and transmission protocols.

Plan Management:

Set up and maintain payment plans in accordance with company policies, state regulations, and affordability guidelines.

Process and track bankruptcy notifications

(Chapter 7/13); file Proofs of Claim, update systems, and ensure compliance with the U.S. Bankruptcy Code.

Investigate and resolve credit disputes

via the

e-Oscar platform

, with primary focus on

Experian

reporting; prepare ACDV responses within FCRA timelines.

Maintain and update credit bureau reporting

(Metro 2 format) to ensure

100% compliance with the Fair Credit Reporting Act (FCRA)

.

Research and resolve customer complaints

related to posting errors, credit reporting, or account status.

Collaborate with Legal, Compliance, and Collections

teams to ensure consistency and accuracy of account information.

Maintain strict confidentiality

of all customer data and company information.

Multitask efficiently

across phone support, data entry, dispute resolution, and reporting while meeting daily deadlines.
Required Qualifications

Experience:

2+ years

of hands-on experience in consumer finance, collections, or credit servicing (preferred areas: auto, mortgage, unsecured lending, or debt settlement).

Compliance Expertise:

Strong foundational knowledge of

FCRA, FDCPA, UDAAP, and state collection laws

.

Credit Platforms:

Direct, hands-on experience utilizing

e-Oscar

and managing

Metro 2 credit reporting

.

Financial Processes:

Proven proficiency in payment posting, reconciliation, and managing loan servicing platforms.

Bankruptcy Knowledge:

Working knowledge of essential bankruptcy processes (Chapter 7/13, Proof of Claim, automatic stay).

Technical Proficiency:

Advanced

Excel

skills, including routine use of

VLOOKUPs, pivot tables, and data reconciliation techniques

.
Preferred Skills

Bilingual:

Proficiency in both

English and Spanish

(highly desirable).

Payment Automation:

Experience with automatic/recurring payment setups (ACH, card).

Call Center:

Prior experience in a high-volume call center or service environment.
Job Type: Full-time

Pay: $18.00 - $20.00 per hour

Expected hours: 40 per week

Benefits:

401(k) Dental insurance Health insurance Paid time off Vision insurance
Experience:

Collection management: 2 years (Preferred) Finance: 1 year (Preferred) Bankruptcy: 1 year (Preferred) Microsoft Excel: 2 years (Preferred)
Language:

Spanish (Preferred)
Ability to Commute:

Phoenix, AZ 85051 (Required)
Work Location: In person