3rd Party Collections Specialist MN WI IL MO OK

LCS Financial Services Corporation; St. Louis (MO); Hybrid; USD 42,000 - 60,000; Full time

Benefits offered by this job

100% Remote Position

Commission

Mon-Fri Schedule

Medical, Dental & Vision Insurance

Life Insurance & Disability Coverage

401k Retirement Plan

Paid Holidays

Discretionary Time Off (DTO)

Team-Oriented Environment

Job summary

LCS Financial Services Corporation is recruiting for a 100% remote Collections Specialist to support a nationwide team. The role emphasizes negotiating resolutions, maintaining compliance, and building rapport with borrowers while working from a home office.

Ideal candidates have at least 2 years in third-party collections, excellent communication skills, and the ability to manage multiple accounts independently. Experience with skip-tracing and regulatory knowledge is preferred.

Qualifications

• Minimum of 2 years of third-party debt collection experience.
• Strong negotiation, persuasion, and conflict-resolution skills.
• Proven ability to manage collection accounts and negotiate successful payment arrangements.
• Excellent verbal communication, active listening, and telephone etiquette.
• Strong organizational skills and attention to detail.
• Ability to work independently while contributing to team goals.
• Professionalism, reliability, accountability, and a positive attitude.
• Working knowledge of applicable debt collection laws and regulations.
• High school diploma or equivalent.
• Ability to maintain a professional, distraction-minimized remote workspace suitable for confidential customer conversations.
• Reliable internet connectivity sufficient to perform job responsibilities.
• Ability to remain available, responsive, and productive throughout scheduled working hours.
• Must reside and work in an LCS-approved state.

Responsibilities

• Manage inbound and outbound collection calls to negotiate resolutions on delinquent accounts.
• Negotiate payment arrangements and settlement agreements based on borrowers' financial circumstances.
• Utilize skip-tracing tools and investigative techniques to locate borrowers and relevant assets.
• Manage assigned account portfolios and prioritize collection activities to maximize recovery opportunities.
• Consistently work toward individual and departmental performance goals.
• Maintain accurate and detailed account documentation.
• Deliver professional, respectful customer interactions while navigating difficult conversations.
• Ensure compliance with applicable federal, state, and local collection laws, company policies, and regulatory requirements.
• Maintain consistent communication with management and team members while working remotely.

Skills

Negotiation

Communication

Customer service

Attention to detail

Independent work

Education

High school diploma or equivalent

Tools

Skip-tracing tools

Collection software

Job description

Take Your Collections Career to the Next Level – From Home!

Are you an experienced third-party collection professional with strong negotiation skills, a competitive drive, and a passion for achieving results? Looking for an opportunity to put your skills to work from the comfort of your home? We want to hear from you!

LCS Financial Services Corporation is a nationally licensed, growth-oriented collection agency seeking motivated and experienced Remote Collections Specialists to join our team!

At LCS, we recognize that successful collections professionals bring more to the table than just the ability to make calls. They know how to build rapport, navigate challenging conversations, negotiate effective resolutions, and consistently deliver results.

We're looking for individuals who take pride in their work, thrive in a performance-driven environment, and are ready to put their experience to work.

If you're motivated by results, enjoy a challenge, and want the opportunity to earn additional compensation through your performance, LCS could be the right fit for you!

What You'll Do

As a Collections Specialist, you'll play an important role in helping LCS achieve its recovery goals while maintaining the highest standards of professionalism and regulatory compliance.

Your responsibilities will include:

• Managing inbound and outbound collection calls to negotiate resolutions on delinquent accounts.
• Negotiating payment arrangements and settlement agreements based on borrowers' individual financial circumstances.
• Utilizing skip-tracing tools and investigative techniques to locate borrowers and relevant assets.
• Managing assigned account portfolios and prioritizing collection activities to maximize recovery opportunities.
• Consistently working toward individual and departmental performance goals.
• Maintaining accurate and detailed account documentation.
• Delivering professional, respectful customer interactions while navigating difficult conversations.
• Ensuring compliance with applicable federal, state, and local collection laws, company policies, and regulatory requirements.
• Maintaining consistent communication with management and team members while working remotely.

What We're Looking For

We're seeking experienced collectors who know what it takes to succeed in a fast-paced, results-oriented environment and can maintain a high level of productivity while working independently.

Required Qualifications

• Minimum of 2 years of third-party debt collection experience.
• Strong negotiation, persuasion, and conflict-resolution skills.
• Proven ability to manage collection accounts and negotiate successful payment arrangements.
• Excellent verbal communication, active listening, and telephone etiquette.
• Strong organizational skills and attention to detail.
• Ability to work independently while contributing to team goals.
• Professionalism, reliability, accountability, and a positive attitude.
• Working knowledge of applicable debt collection laws and regulations.
• High school diploma or equivalent.
• Ability to maintain a professional, distraction-minimized remote workspace suitable for confidential customer conversations.
• Reliable internet connectivity sufficient to perform job responsibilities.
• Ability to remain available, responsive, and productive throughout scheduled working hours.
• Must reside and work in an LCS-approved state.

Preferred Qualifications

• Experience working in a high-volume collections' environment.
• Familiarity with skip-tracing tools and collection management systems.
• Experience negotiating settlements and payment arrangements.
• Bilingual English/Spanish communication skills.
• Previous experience consistently meeting or exceeding collection goals.

Why Join LCS?

At LCS Financial Services Corporation, we understand that our employees are essential to our success. We strive to provide an environment where experienced professionals can contribute their skills, make an impact, and be recognized for their performance.

Here’s what you can look forward to:

• 100% Remote Position: Work from home while contributing to a nationwide collections team.
• Commission: Additional earning potential tied to performance.
• Monday–Friday Schedule: Workdays scheduled between 7:00 AM and 6:00 PM.
• Medical, Dental & Vision Insurance: Benefits effective the first of the month following 30 days of employment.
• Life Insurance & Disability Coverage: Additional benefits to support you and your family.
• 401k Retirement Plan: An opportunity to plan for your financial future.
• Paid Holidays: Time away from work to enjoy designated holidays.
• Discretionary Time Off (DTO): A flexible time-off program subject to company policy.
• Team-Oriented Environment: Join a team where collaboration, accountability, and individual contributions matter.

Remote Work Location Requirements

LCS Financial Services Corporation can only employ remote Collections Specialists who reside and perform their work in approved states.

Eligible States – We Are Hiring In:

• Alabama, Connecticut, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Montana, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, Wisconsin, Wyoming, and Arizona.
• Alaska, Arkansas, California, Delaware, Hawaii, Indiana, Iowa, Maine, Massachusetts, Michigan, Nebraska, Nevada, New Mexico, New York, Tennessee, Washington, and West Virginia.

Ineligible States – We Are NOT Hiring In:

Important: Applicants must currently reside and perform their work in an eligible state. Applications from individuals residing in states where LCS is not authorized to employ remote workers will not be considered.

Ready to Put Your Experience to Work?

Your experience matters. Your performance matters. Your success matters.

If you're an experienced third-party collections professional who enjoys negotiating, solving problems, and achieving results, we'd love to learn more about you.

Bring your skills, determination, and drive to LCS Financial Services Corporation and take the next step in your collections career.

Equal Employment Opportunity Statement

LCS Financial Services Corporation is an Equal Employment Opportunity Employer. We are committed to providing equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, or any other status protected by applicable law.