Collections Specialist

BSI Financial Services; Irving (TX); On-site; USD 42,000 - 56,000; Full time

Benefits offered by this job

Competitive wages

Career growth

Benefits package

Company-paid life insurance

Generous PTO

Holiday Pay

401K

Company provided equipment

Job summary

BSI Financial Services is seeking a Collections Specialist to help borrowers make payments on their homes. This in-office role focuses on respectful outbound communications, payment negotiation, and compliance with debt collection laws.

You will review accounts, discuss payment options, and establish payment plans while maintaining accurate records and meeting daily goals.

Qualifications

• High school diploma or equivalent required.
• Familiar with FDCPA and debt collection laws.
• Proficient in Microsoft Office and Google applications.
• Customer service experience preferred.
• Prior debt collection or mortgage banking experience preferred.
• Telecommunications experience preferred.

Responsibilities

• Make outbound collections calls professionally while maintaining customer relations.
• Discuss account details and confirm payment information.
• Provide payment options (Mail, Pay by Phone, web payments).
• Identify hardships and propose payment plans.
• Follow up on payment arrangements and document conversations.
• Adhere to FDCPA and other laws; comply with internal policies.

Skills

Active listening

Problem solving

Time management

Communication

Phone etiquette

Teamwork

Typing

Organization

FDCPA awareness

Negotiation

MS Office

Google apps

Customer service

Debt collection experience

Mortgage banking experience

Telecommunications

Education

High school diploma or equivalent

Tools

MS Office

Google apps

Job description

Brief Description

Join BSI Financial Services as a Collections Specialist. BSI Financial is an experienced mortgage servicing company! This is not a cold-calling collecting position; we are assisting our borrowers in making payments on their homes!

We are looking to hire an enthusiastic Collector to recover payments due on accounts. The Collector will review accounts for recent activity and changes, ask probing questions to establish the borrower's ability to pay the debt, understand payment inquiries, and take steps to resolve the matter. The Collector will need to use their ability to multitask by typing notes simultaneously while speaking to borrowers. To ensure success, the Collector will need to be up to date with laws, regulations, policies, and procedures related to debt collection in the Mortgage industry. Required position training and certifications are provided to the employee.

Position Type And Expected Hours Of Work

This is a full-time, in-office position. Days and hours of work are Monday through Friday with one pre-scheduled 4-hour Saturday a month. The full-time training shift of 9 am-6 pm will take place in the office.

What You Will Do

• Customer Communication -Making outbound collections calls in a professional manner while keeping and improving customer relations
• Discuss account details, answer borrower questions, and confirm contact information (payment amount, escrow changes, etc.)
• Collecting payments- efficiently provide all payment options to customers- Mail, Pay by Phone, web payments
• Identify financial hardships attributing to account delinquency and take proper action to aid the borrower.
• Negotiate payment plans as needed
• Provide prompt follow-up on payment arrangements
• Mail correspondence to encourage payment of delinquent accounts
• Make monthly outbound skip trace calls
• Maintain a record of contacts and attempted contacts as well as details of conversations and arrangements in the required systems.
• Achieve daily call goals and phone availability
• Responsible for meeting legal requirements and following internal policies
• Respond to emails in a sensible professional manner
• Adhere to federal and state debt collection laws and regulations

What We’re Looking For

• Customer/Client Focus- must have excellent Active Listening skills
• Problem Solving/Critical thinking skills
• Time Management-Capability to multitask in a fast-paced environment
• Clear and Concise professional communication- Written and Verbal, Resilient with impolite clients
• Outstanding phone etiquette
• Teamwork Orientation- but the ability to work successfully on own initiative
• Strong typing and organizational skills.
• Familiar with the Fair Debt Collection Practices Act (FDCPA) and other laws governing debt collection practices
• Negotiating skills
• High school diploma or equivalent required
• Proficient Computer skills and knowledge of Microsoft Office and Google applications required
• Customer service experience preferred
• Prior experience in debt collection preferredMortgage banking experience preferred
• Telecommunication experience preferred

What’s In It For You

• Competitive wages
• Opportunity for career growth
• Outstanding Benefits Package
  • Including a company-paid life insurance policy!
• Generous PTO
• Holiday Pay
• 401K
• Company provided equipment

EEO Statement

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.