Loan Collections Specialist

LendKey USA; Cincinnati (OH); Hybrid; USD 42,000 - 52,000; Full time

Benefits offered by this job

Hybrid work week

21 days paid time off

Monthly bonus up to $800

Paid training

Medical, dental, vision, and life保险

Job summary

LendKey in Cincinnati, OH seeks a Loan Collections Specialist to outreach to past-due borrowers, negotiate payment arrangements, and uphold compliance with federal and state laws.

You’ll work a hybrid schedule (Blue Ash office Mon–Wed, Thu–Fri option to work from home) with competitive pay starting at $20/hour plus $1 when closing shifts and a monthly bonus up to $800, plus comprehensive benefits.

Join a fintech that values integrity, growth, and customer care.

Qualifications

• Outbound collection calls to borrowers and cosigners on past-due accounts.
• Negotiation and establishment of payment arrangements.
• Counsel borrowers with professionalism to explain repayment options.
• Assist with resolving delinquent balances through cash collections or forbearance when appropriate.
• Maintain confidentiality and security of borrower information.

Responsibilities

• 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 knowledge of loan products, systems, and collections processes
• Maintain confidentiality and security of borrower information at all times
• Problem-solve and ensure compliance with federal and state regulations
• 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, and monthly performance goals

Skills

Negotiation

Empathy

Verbal communication

Problem solving

Attention to detail

Customer service

Adaptability

Math proficiency

Microsoft Office

Tools

Loan systems

Job description

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Improving Lives with Lending Made Simple

Come help us build a business that’s making a difference

VIEW OPEN ROLES

Join Our Team

LendKey is solving a complex challenge—to improve lives with lending made simple—by helping financial institutions compete in the digital age and provide a delightful customer experience, while providing borrowers with the simple, transparent, digital borrowing experience they have come to expect and desire.

We’re a Technology-Enabled Service company built on values that reflect our commitment to our customers & clients. We'reTruthfulat all times. Helpfulto teammates, clients, and customers. Present--committed & engaged to our teams and our work. Drivento be courageous and make an impact in everything we do.Diligent & conscientious in executing every element of work.

Best Places to Work in FinTech

Employees Deserve First-Class Service, Too

Our culture is driven by our customer-service philosophy that everyone deserves to be treated in a thoughtful, kind and caring way. That’s why we invest in our greatest asset: our people.

Generous Vacation Policy

To unwind and refresh

Competitive Compensation

Because we know it’s important

Training & Development

So your career grows as we grow

Comprehensive Benefits

Medical, Dental, Vision, Life Insurance, Disability & 401(k)

Engagement Teams

Staff-led & company funded to plan fun & volunteer activities

Flexible Work Policies

So you can find your work-life balance

See More About Life at Lendkey

Current Openings

Position:Loan Collections Specialist Location: Cincinnati, OH
Job Id:101 # of Openings:0

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.

The Loan Collections Specialist is responsible for assisting borrowers and cosigners in resolving outstanding loan debt through proactive outreach, payment negotiations, and exceptional customer service. This role focuses primarily on outbound communication to past-due borrowers to establish payment arrangements, process collections, and support borrowers in finding appropriate solutions. The ideal candidate will demonstrate empathy, strong negotiation skills, and professionalism while ensuring compliance with all federal and state regulations.

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?

We have a lot to offer those who are looking to take the next step in their career, including:

• 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 preferred
• Proficiency 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.