Collections Specialist

Wilson Bank & Trust; Lebanon (TN); On-site; USD 52,000 - 75,000; Full time

Benefits offered by this job

Comprehensive benefits

Job summary

Wilson Bank & Trust is seeking a Collections Specialist I to coordinate collection efforts for the loan and deposit portfolio and work with lenders, branches, and attorneys on past due accounts. You’ll supervise repossession processes and prepare past-due reports while upholding the bank’s standards of integrity and service excellence.

The role requires a high school diploma or GED, strong communication, attention to detail, and the ability to manage multiple projects with urgency.

Qualifications

• High School diploma or GED.
• 1 year of experience in a related role.
• Knowledge of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust.
• Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers.

Responsibilities

• Coordinate collection efforts for the loan and deposit portfolio
• Partner with lenders and branches regarding past due loans and overdrawn deposit accounts
• Contact past due clients
• Write collection letters
• Work with attorneys regarding bankruptcies and garnishments
• Attend court as necessary
• Assign accounts for repossession and sell repossessed collateral
• Prepare and review past due reports for management
• Maintain an aggressive collection effort to minimize past-due accounts
• Assist in resolving customer questions and concerns
• Attend meetings and provide input and updates on collections activities as required
• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; and establishing personal networks
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Attend training and participate in outside community activities, as requested and/or required
• Perform other duties as assigned

Skills

Attention to detail

Communication skills

Time management

Interpersonal skills

Problem solving

Integrity

Professionalism

Self-motivation

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

Collections Specialist

Location: Lebanon, TN

If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

About Us

Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees—through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here—feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

About The Position

The Connective Force

Picture yourself as the lifeblood that ties everything together—the communicator, the problem-solver, the bridge between operational teams. In these roles, you handle urgent calls, craft solutions, and ensure that every signal flows correctly so customers receive the right answers at the right time. You’re the one who steps in when things get tough, the superhero who keeps the mission on track. If you love variety, collaboration, and the occasional customer interaction, this is your stage. You’ll work across teams, solve challenges with a smile, and make sure the entire organization moves as one.

Position Summary

The Collections Specialist I coordinates collection efforts for the loan and deposit portfolio. This position partners with lenders and branches regarding past due accounts, works with attorneys regarding bankruptcies and garnishments, and assigns accounts for repossession. The Collections Specialist I reports to the Consumer & Small Business Credit Administration and Collections Manager and provides excellent service and support to customers and teammates while demonstrating the Company’s values and supporting the mission.

Position Duties & Responsibilities

• Coordinate collection efforts for the loan and deposit portfolio
• Partner with lenders and branches regarding past due loans and overdrawn deposit accounts
• Contact past due clients
• Write collection letters
• Work with attorneys regarding bankruptcies and garnishments
• Attend court as necessary
• Assign accounts for repossession and sell repossessed collateral
• Prepare and review past due reports for management
• Maintain an aggressive collection effort to minimize past-due accounts
• Assist in resolving customer questions and concerns
• Attend meetings and provide input and updates on collections activities as required
• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; and establishing personal networks
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Attend training and participate in outside community activities, as requested and/or required
• Perform other duties as assigned

Required Qualifications

• High School diploma or GED
• 1 year of experience in a related role
• Previous bank experience preferred
• Knowledge of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust
• Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers
• Ability to work on multiple projects simultaneously
• Effective verbal and written communication skills and excellent interpersonal skills
• Effective presentation skills
• Attention to detail, critical thinking and problem-solving skills
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Ability to work independently while demonstrating excellent organization and follow through
• Demonstrate flexible and efficient time management and ability to prioritize workload
• Ability and willingness to work with purpose and a strong sense of urgency
• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations
• Maintain confidentiality discretion
• Ability to effectively work in collaboration with others to achieve business objectives
• Must be able to work extended hours as needed
• Willing to grow and be challenged

Comprehensive Benefits & Recognition

We believe success should be acknowledged and celebrated. That’s why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees’ contributions are recognized companywide.

GROW WITH US

“Grow With Us” is more than a slogan—it’s an invitation. Whether partnering with local schools to teach the next generation hands‑on financial life lessons through School Bank, exploring diverse career paths through Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you’ll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.