Auto Loan Collections Specialist

PFS - Professional Financial Services; Charlotte (NC); On-site; USD 42,000 - 60,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

Profit sharing

401(k) with company matching

Paid sick time

Paid holidays

Paid vacation time

Job summary

Professional Financial Services in Charlotte, NC is seeking an Auto Loan Collections Specialist for a full-time, onsite role. You will manage delinquent auto-loan accounts, contact customers to determine solutions, and negotiate payment arrangements while documenting activities and supporting repossession processes.

The role demands persistence, discretion with financial information, and the ability to work with branch management, dealers, and internal teams.

Qualifications

• 2+ years of collections experience.
• Auto-finance, consumer-lending, or closely related collections experience preferred.
• Strong verbal and written communication skills.
• Excellent negotiation, problem-solving, and conflict-resolution abilities.
• Ability to manage a high-volume account queue while maintaining accuracy and attention to detail.
• Strong organizational skills and the ability to manage multiple time-sensitive priorities.
• Ability to handle sensitive and confidential financial information with discretion.
• Comfort using account-management and communication systems.
• Ability to work effectively with branch management, internal departments, dealers, and other partners.
• A valid driver’s license and legally required automobile insurance, along with reliable transportation for occasional local customer visits.
• A high school diploma or equivalent.

Responsibilities

• Manage assigned auto-loan accounts through all stages of delinquency, from one day past due through repossession referral and support.
• Make high-volume inbound and outbound customer contacts to understand the reason for delinquency and identify appropriate solutions.
• Negotiate payment arrangements within established company guidelines and monitor promises to pay.
• Maintain accurate and timely documentation of customer contacts, payment arrangements, account changes, complaints, visits, and repossession recommendations.
• Use approved skip-tracing and account-research methods to locate customers and update contact information.
• Answer customer questions and resolve routine concerns professionally, escalating sensitive or higher-risk matters when appropriate.
• Identify accounts that meet established criteria for repossession consideration and make recommendations to the Branch Manager.
• Partner with the Remarketing Department by providing necessary account information and documentation for approved repossessions.
• Conduct occasional local customer visits when telephone contact has been unsuccessful and an account is approaching repossession referral.
• Complete welcome calls with newly opened auto-loan customers to establish relationships, verify contact information, answer questions, and review payment expectations and options.
• Provide requested account information or documentation to the appropriate department for insurance claims.
• Provide backup support for administrative functions necessary to maintain branch operations while keeping collections as your primary responsibility.
• Deliver courteous, professional service to customers, dealers, and internal partners.

Skills

Verbal communication

Written communication

Negotiation

Problem-solving

Attention to detail

Discretion with financial information

Education

High school diploma or equivalent

Job description

Description

Auto Loan Collections Specialist

Professional Financial Services | Charlotte, NC | Full-Time | Onsite

Are you a confident communicator who knows how to turn challenging conversations into positive solutions?

Do you have collections experience and enjoy helping customers find a path forward?

Professional Financial Services may be the place for you!

We’re looking for an Auto Loan Collections Specialist to join our team in Charlotte, NC. In this role, you’ll manage delinquent auto-loan accounts, work directly with customers to find appropriate resolutions, and play an important role in protecting both the customer relationship and the company’s interests.

If you bring strong communication skills, persistence, sound judgment, and a customer-focused approach, this could be an excellent opportunity to build your career with a company that invests in its people.

What You’ll Do

As an Auto Loan Collections Specialist, you’ll:

• Manage assigned auto-loan accounts through all stages of delinquency, fromone day past due through repossession referral and support.
• Make high-volume inbound and outbound customer contacts to understand the reason for delinquency and identify appropriate solutions.
• Negotiate payment arrangements within established company guidelines and monitor promises to pay.
• Maintain accurate and timely documentation of customer contacts, payment arrangements, account changes, complaints, visits, and repossession recommendations.
• Use approved skip-tracing and account-research methods to locate customers and update contact information.
• Answer customer questions and resolve routine concerns professionally, escalating sensitive or higher-risk matters when appropriate.
• Identify accounts that meet established criteria for repossession consideration and make recommendations to the Branch Manager.
• Partner with the Remarketing Department by providing necessary account information and documentation for approved repossessions.
• Conduct occasional local customer visits when telephone contact has been unsuccessful and an account is approaching repossession referral.
• Complete welcome calls with newly opened auto-loan customers to establish relationships, verify contact information, answer questions, and review payment expectations and options.
• Provide requested account information or documentation to the appropriate department for insurance claims.
• Provide backup support for administrative functions necessary to maintain branch operations while keeping collections as your primary responsibility.
• Deliver courteous, professional service to customers, dealers, and internal partners.

What We’re Looking For

We’re looking for someone who brings:

• 2+ years of collections experience.
• Auto-finance, consumer-lending, or closely related collections experience preferred.
• Strong verbal and written communication skills.
• Excellent negotiation, problem-solving, and conflict-resolution abilities.
• The ability to manage a high-volume account queue while maintaining accuracy and attention to detail.
• Strong organizational skills and the ability to manage multiple time-sensitive priorities.
• The ability to handle sensitive and confidential financial information with discretion.
• Comfort using account-management and communication systems.
• The ability to work effectively with branch management, internal departments, dealers, and other partners.
• A valid driver’s license and legally required automobile insurance, along with reliable transportation for occasional local customer visits.
• A high school diploma or equivalent.

Your Schedule

This is a full-time, onsite position at our Charlotte, NC location.

Monday–Friday | 8:30 AM–5:30 PM

Occasional Saturdays As Required By Branch Operations

What We Offer

At Professional Financial Services, we believe our employees are an important part of our success. That’s why we offer a strong benefits package, opportunities to grow, and training designed to help you succeed.

Excellent Benefits Bundle

Our benefits include:

• Medical insurance withminimal cost to the employee
• Dental insurance
• Vision insurance
• Life insurance
• Short-term and long-term disability
• Profit sharing
• 401(k) with company matching
• Paid sick time
• Paid holidays
• Paid vacation time

Monthly Bonus Potential

Your hard work can be rewarded! You’ll have the opportunity to earn a monthly bonus when your team meets Company-set goals.

Top-of-the-Line Training

We’re committed to helping you build a strong foundation and succeed in your role. Our training includes:

• Hands-on training
• Online training
• New hire class orientation

You’ll have the tools, knowledge, and support you need to do your job to the best of your abilities.

Growth Potential

We believe in fostering our employees’ talents and providing opportunities for them to build their own career story. As you grow your skills and experience, you’ll have opportunities to continue developing your career with Professional Financial Services.

Community Service

Giving back is part of who we are. Professional Financial Services is an active member of the communities we serve, making ongoing contributions to charities, local food banks, educational institutions, and more.

Ready to Begin Your Story?

If you’re an experienced collections professional who brings persistence, professionalism, empathy, and strong communication skills to every customer interaction, we’d love to hear from you.

Join a company that values its employees, invests in their success, supports the communities it serves, and provides opportunities to grow.