Loan Collections Specialist

LendKey Technologies, Inc.; Cincinnati (OH); Hybrid; USD 23,000 - 32,000; Full time

Benefits offered by this job

Comprehensive medical, dental, vision,

life insurance benefits

21 days of paid time off

Paid training

Job summary

LendKey Technologies, Inc. is seeking an experienced Collections Associate to support borrowers and cosigners on past-due accounts. You will conduct outbound calls, negotiate payment plans, and guide customers through repayment options with professionalism.

The role requires strong communication, problem-solving, and document-focused discipline. Hybrid work is offered, with some in-office days and training provided to ensure quality outcomes for both customers and the business.

Qualifications

• Experience in collections, loan servicing, or customer support is preferred but not required.
• Proven ability to counsel, problem-solve, and negotiate with confidence.
• Excellent verbal communication and active listening skills.
• Strong documentation and record-keeping abilities.

Responsibilities

• Conduct outbound collection calls to borrowers and cosigners on past-due accounts.
• Negotiate and establish payment arrangements aligned with borrower capability and company policy.
• Counsel borrowers with professionalism to explain repayment options.
• Assist with resolving delinquent loan balances through cash collections or forbearance when appropriate.
• Demonstrate knowledge of loan products, systems, and collections processes.
• Maintain confidentiality and security of borrower information at all times.
• Ensure compliance with federal/state regulations, including FDCPA and bankruptcy laws.
• Accurately document all collection activity and borrower communications in the system.
• Collaborate with internal teams to resolve borrower concerns and ensure a seamless customer experience.
• Meet or exceed daily/weekly/monthly performance goals for collections and customer engagement.

Skills

Counseling

Negotiation

Verbal communication

Active listening

Attention to detail

Adaptability

Customer service

Basic math

Microsoft Suite

Tools

MS Office

CRM systems

Job description

LendKey is a pioneer in digital network lending, empowering more than 400 credit unions and community banks nationwide. With over $8 billion in originated loans and $3.4 billion in serviced assets, we provide an integrated platform combining technology, operations, compliance, and capital markets access to help financial institutions compete in the digital age.

Compensation

• Starting at $20/hour
• An additional $1 per hour when working closing shifts
• Monthly bonus up to $800

Location

• Hybrid work week
• Monday - Wednesday in Blue Ash office
• Thursday - Friday option to work from home

Why work for us?

• Opportunity to join a growing fintech
• Creative and transparent company culture
• Growth potential
• Comprehensive medical, dental, vision, and life insurance benefits
• 21 days of paid time off
• Paid training

What You’ll Be Doing

• Conduct outbound collection calls to borrowers and cosigners on past-due accounts
• Negotiate and establish payment arrangements that align with both borrower capability and company policy
• Counsel borrowers with professionalism and confidence to help them understand repayment options
• Assist with resolving delinquent loan balances through cash collections or forbearance when appropriate
• Demonstrate in-depth knowledge of loan products, systems, and collections processes
• Maintain confidentiality and security of borrower information at all times
• Problem-solve and perform due diligence to ensure compliance with all federal and state regulations, including the Fair Debt Collection Practices Act and bankruptcy laws
• Accurately document all collection activity, borrower communications, and account updates in the system
• Collaborate with internal teams to resolve borrower concerns and ensure a seamless customer experience
• Meet or exceed established daily, weekly, and monthly performance goals for collections, quality, and customer engagement

What We’re Looking For

• Proven ability to counsel, problem-solve, and negotiate effectively with confidence and professionalism
• Excellent verbal communication and active listening skills
• Strong attention to detail and accuracy in documentation and record-keeping
• Ability to adapt to changing priorities and work in a fast-paced, goal-oriented environment
• Courteous, empathetic, and positive attitude when dealing with challenging conversations
• Previous experience in collections, loan servicing, or customer support is preferred but not required
• Strong suit basic mathematical proficiency
• 1 year of customer service experience preferredProficiency with computer systems and Microsoft suite, with the ability to navigate multiple systems

Culture & Mindset

We’re looking for people who care deeply about delivering strong outcomes for customers and supporting their teammates. LendKey was recognized as a 2026 Cincinnati Top Workplace by The Cincinnati Enquirer based on employee feedback.

You’ll be successful here if you align with how we work:

• Truthful – act with honesty and integrity
• Helpful – support teammates, clients, and customers
• Present – show up engaged, accountable, and committed
• Driven – motivated to make an impact
• Diligent – thoughtful, detail-oriented, and reliable

What We Do

LendKey offers a comprehensive digital platform for private student loans, student loan refinancing, and home improvement loans, allowing community-based financial institutions to expand their portfolios and serve more borrowers without increasing infrastructure. Through our ALIRO platform, lenders can efficiently participate in, buy, and sell loans, streamlining portfolio diversification and capital deployment.

For Financial Institutions, LendKey Provides Turnkey Solutions That Include

• End-to-end loan origination and servicing expertise
• Seamless access to a national network of lending partners
• Advanced risk mitigation and compliance support
• Opportunities to efficiently deploy capital and diversify portfolios

For Borrowers, LendKey Delivers

• Access to affordable, competitive student loan products from trusted local lenders
• A simple, transparent digital application and servicing experience
• The benefits of community-focused lending with the convenience of modern technology

LendKey’s network lending model empowers both lenders and borrowers, bridging the gap between local values and national reach.

LendKey is an equal opportunity employer and values diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other basis prohibited by applicable state or federal law. LendKey offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process due to a disability, please let us know at [e-mail]. Visit Lendkey.com for more information.