Delinquency Recovery Specialist

Lendmark Financial Services LLC; Bowling Green (KY); On-site; USD 38,000 - 58,000; Full time

Job summary

Lendmark Financial Services is seeking a Collections Specialist to manage delinquent accounts through direct customer engagement, legal processes and administrative follow-up. You will initiate outbound calls, locate unresponsive customers via skip tracing, and prepare legal documents for repossessions or garnishments.

Ideal candidates bring 5 years of experience in consumer finance collections, strong communication skills, and proficiency with office and collection software.

Qualifications

• High school diploma or equivalent required.
• 5 years of experience in consumer finance collections or a related field.
• Familiarity with skip tracing tools and legal collection procedures.
• Strong organizational and documentation skills.
• Excellent verbal and written communication abilities.
• Proficiency in Microsoft Office and collection software systems.
• Ability to work independently and as part of a team in a branch environment.

Responsibilities

• Initiate and manage outbound collection calls to customers with past-due accounts.
• Conduct skip tracing to locate customers who are unresponsive or have moved without notice.
• Prepare and file legal documentation for repossessions, garnishments, and other legal remedies.
• Draft and send collection letters in accordance with company policy and regulatory guidelines.
• Maintain accurate and up-to-date records of all collection activities in the system of record.
• Collaborate with branch staff and legal teams to elevate accounts requiring legal recourse.
• Monitor and follow up on accounts in litigation or repossession status.
• Ensure compliance with all federal, state, and local laws governing debt collection practices (e.g., FDCPA).
• Provide exceptional customer service while negotiating payment arrangements.

Skills

Skip tracing tools

Legal collection procedures

Organizational skills

Documentation skills

Verbal communication

Written communication

Microsoft Office

Collection software systems

Education

High school diploma or equivalent

Associate or bachelor’s degree preferred

Tools

Microsoft Office

Collection software systems

Job description

Lendmark Financial Services is seeking a Collections Specialist to manage delinquent accounts through direct customer engagement, legal processes and administrative follow-up. You will initiate outbound calls, locate unresponsive customers via skip tracing, and prepare legal documents for repossessions or garnishments.

Ideal candidates bring 5 years of experience in consumer finance collections, strong communication skills, and proficiency with office and collection software.