Collections Specialist II

Silver Hill Capital; Coral Gables (FL); On-site; USD 34,000 - 48,000; Full time

Job summary

Bayview Asset Management, through its subsidiary Silver Hill Capital, seeks a Collections Specialist II to manage delinquent consumer loan accounts and drive payment commitments. The role emphasizes sales, negotiation, and closing skills in a high-volume environment.

The ideal candidate has a strong sales background, can build rapport quickly, and will operate under policy and regulatory guidelines while maximizing collections and minimizing loan losses.

Qualifications

• High School Diploma or GED required.
• Experience in a commissioned, quota-driven, or production-based sales environment strongly preferred.
• Candidates may come from collections, loss mitigation, financial services, lending, insurance, customer retention, account management, or inside sales backgrounds.

Responsibilities

• Manage a portfolio of delinquent consumer loan accounts with high-volume inbound and outbound outreach to drive payment outcomes.
• Ask for and secure payment commitments using strong negotiation and closing techniques.
• Assess customer motivations and finances to determine effective collection strategies and repayment plans.
• Maintain accurate documentation of borrower interactions and account updates in servicing systems.
• Meet or exceed performance goals including call activity, dollars collected, payment commitments, and resolution rates.
• Collaborate with management on strategies to improve recovery performance.

Skills

Sales

Persuasion

Negotiation

Objection handling

Closing

Phone-based selling

Education

High School Diploma or GED

Tools

CRM

Loan servicing

Job description

Overview

Your sales skills can make an impact. Build relationships, negotiate solutions, and drive results with our collections team!

About Us

Founded in 1993, Bayview Asset Management is an investment management firm focused on investments in mortgage and consumer credit, including whole loans, asset-backed securities, mortgage servicing rights, and other credit-related assets.

This role will be within our subsidiary, Silver Hill Capital which is a national commercial real estate lender specializing in small-balance commercial and investor property financing solutions. The firm provides flexible loan programs, including bridge loans and DSCR financing, to support real estate investors and small business owners across the United States. Headquartered in Coral Gables, Florida, Silver Hill Capital works closely with mortgage brokers to deliver efficient, relationship-driven lending solutions. The company has funded billions of dollars in loans and built a strong reputation for expertise and responsiveness in the commercial lending market.

Position Summary

The Collections Specialist II is responsible for managing a portfolio of consumer loan accounts and engaging directly with borrowers to resolve delinquent balances. This is a highly performance-driven, customer-facing role requiring strong sales, negotiation, persuasion, and closing skills.

The ideal candidate brings experience in a similar high-volume sales environment, with a demonstrated ability to build rapport quickly, uncover customer needs and financial circumstances, overcome objections, and successfully drive customers toward a commitment.

Our Collections Specialist II is expected to operate within all company policies and regulatory requirements while consistently working to maximize collections, improve resolution rates, and minimize loan losses.

Key Responsibilities

• Manage a portfolio of delinquent consumer loan accounts, conducting high-volume inbound and outbound outreach with a strong focus on driving successful payment outcomes.
• Confidently ask for and secure payment commitments, using strong objection-handling, negotiation, and closing techniques to move customers toward actionable payment solutions.
• Assess customer motivations, financial circumstances, and account history to determine the most effective collection strategy and negotiate repayment plans, settlements, or payment arrangements within established guidelines.
• Clearly communicate loan balances, payment options, interest, fees, account status, and consequences of continued delinquency.
• Proactively follow up on payment commitments, required documentation, and unresolved accounts, maintaining ownership through completion and resolution.
• Maintain detailed and accurate documentation of borrower interactions, commitments, follow-up activity, and account updates within servicing systems.
• Consistently meet or exceed individual performance goals, including call activity, dollars collected, payment commitments, kept promises, account resolution rates, and quality standards.
• Manage assigned accounts with a strong sense of urgency, accountability, and ownership while maintaining compliance with all applicable federal, state, and company requirements.
• Collaborate with management and team members on challenging accounts and strategies to improve recovery performance.

Skills & Requirements

• Strong sales, persuasion, negotiation, objection-handling, and closing skills, particularly in a phone-based environment.
• Confident and persistent, with the ability to ask customers to make financial commitments while balancing a strong sales mentality with professionalism and empathy.
• Strong listening, discovery, and communication skills with the ability to quickly understand customer circumstances and identify practical solutions.
• Comfortable working in a goal-oriented, KPI-driven environment with individual production expectations and accountability for measurable results.
• Strong follow-up, organization, and multitasking skills with the ability to manage a portfolio in a fast-paced, high-volume environment.
• Strong attention to detail and ability to handle confidential financial information responsibly.
• Proficiency in Microsoft Office; experience with CRM, loan servicing, collections, or similar customer management systems preferred.

Qualifications

• High School Diploma or GED required.
• Experience in a commissioned, quota-driven, or production-based sales environment strongly preferred.
• Candidates may come from collections, loss mitigation, financial services, lending, insurance, customer retention, account management, or inside sales backgrounds.
• Previous collections experience is helpful but not required for candidates with a strong demonstrated sales background and track record of meeting or exceeding individual performance goals.

LOCATION & COMPENSATION

• This role is available as fully remote but if candidate is found within Coral Gables or Fort Lauderdale FL area preferred.
• For reference our business hours are Monday - Friday, 10:00 AM - 7:00 PM (EST); there is occasionally need for work outside of these hours based on business needs.
• The base salary for this position will be between $25 - $35/hr with a monthly bonus performance-based incentive opportunity available outside of salary base.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and use hands to handle, touch or feel objects, tools, or controls. The employee frequently is required to talk and hear. The noise level in the work environment is usually moderate. The employee is occasionally required to stand; walk; reach with hands and arms. The employee is rarely required to stoop, kneel, crouch, or crawl. The employee must regularly lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus.

EEOC

Bayview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.