Auto Loan Collections Specialist - Bonus Potential & Growth

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

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.