Dividend -Skip Tracing Specialist

Fifth Third; Cincinnati (OH); Hybrid; USD 45,000 - 65,000; Full time

Job summary

Dividend is seeking a Skip Tracing Specialist in Cincinnati, OH to support collections activities with extensive skip tracing on priority accounts. The role collaborates with legal, compliance, and operations teams to ensure accurate customer contact and remediation of issues.

The ideal candidate will have 3–4 years in collections or customer service, strong communication, and the ability to work independently in a fast-paced banking environment.

Qualifications

• High School diploma or equivalent required.
• 3-4 years of Collections and Customer Service experience required.
• Experience with skip tracing preferred.
• Bilingual Spanish preferred.

Responsibilities

• Make outbound collection calls to late-stage delinquent customers to reduce delinquency and losses.
• Handle inbound calls/emails/texts related to delinquency, hardship, complaints, or loan issues.
• Coordinate changes with third-party servicers as needed.
• Conduct skip tracing to locate and contact delinquent customers.
• Document all customer interactions with clear account notes and follow policies.

Skills

Communication

Organization

Microsoft Suite

Multitasking

Independent worker

Spanish language

Education

High School diploma or equivalent

Tools

Salesforce

Job description

## Dividend -Skip Tracing SpecialistApply: Cincinnati, OH: Full time: Posted 5 Days Ago: End Date: November 30, 2026 (30+ days left to apply): R72285About Dividend At Dividend, we question convention, reward creativity, and always welcome new ideas. We are hungry to win, happy to help, and determined to succeed. Every day, we get to see the impact we've had on our customers, our partners, and on the world around us. So, take a look and see if you think you'd be a good fit for Dividend.This will be a dedicated skip tracing role, where collections calls and activities will still be a part of the role, but extensive skip tracing will be required daily on priority accounts and will leverage approved skip tracing tools to generate customer contact.We are looking for someone who has 1-2 years of dedicated Collections Skip Tracing experience or similar function (example: fraud investigations)**GENERAL FUNCTION:**The LSR-III Skip Tracing Specialists work hand-in-hand across multiple departments including legal, compliance, operations, customer support and servicing. Providing the highest quality customer service while working with our customers to identify and remedy any issues that may arise.Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. Operating within the bank’s risk appetite, you will achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types.**ESSENTIAL DUTIES & RESPONSIBILITIES:*** Communicates with late-stage delinquent customers via outbound collection calls/emails/texts to resolve delinquency and reduce losses; recommends appropriate payment programs where applicable to assist customers experiencing a financial hardship* Promptly handles inbound customer calls/emails/texts directly or transferred from third-party sub-servicer related to delinquency, hardship, complaints, system shut-off, or loan assumptions* Communicates as necessary to third-party servicer account changes or required adjustments* Confers with existing customers by telephone and/or email in an attempt to resolve escalated complaint issues not related to product/contractor performance* Performs skip tracing activities as needed to locate and contact delinquent customers* Document all customer interactions/account activities with concise and detailed account notes* Adhere to all Dividend policies and procedures, including State and Federal collection regulations* Other projects and duties as assigned**SUPERVISORY RESPONSIBILITIES:** None**MINIMUM KNOWLEDGE & SKILLS REQUIRED:*** High School diploma or equivalent* 3-4 years of Collections and Customer Service Experience* Strong organizational skills and attention to detail* Excellent written and verbal communication skills* High-level proficiency in Microsoft Suite* Ability to multitask, prioritize projects, and report to several managers* A high level of enthusiasm, collegial attitude, and a willingness to perform a wide range of tasks* Ability to work independently as well as collaboratively* Desire to work in an entrepreneurial but highly professional culture* Experience with Salesforce preferred* Bilingual- Spanish preferred