Loan Collections Specialist

Security Finance; Murfreesboro (TN); On-site; USD 42,000 - 54,000; Full time

Benefits offered by this job

Medical benefits

Paid time off

401(k) with company match

Employee assistance program

Training and development

Job summary

Professional Financial Services (PFS) | Auto Finance in Murfreesboro, TN is seeking a Collections Specialist to manage delinquent auto-loan accounts, negotiate feasible solutions, and protect the interests of the company while preserving customer relations.

You will own portfolios, make high-volume calls, document interactions, and collaborate with branches and partners to move accounts toward resolution, with occasional local visits and weekend shifts as needed.

Qualifications

• 2+ years of collections experience.
• Auto finance, consumer lending, or related collections experience preferred
• Strong negotiation, problem-solving, and conflict-resolution skills
• Excellent verbal and written communication
• Experience managing a high-volume account queue
• High attention to detail and ability to manage multiple time-sensitive priorities
• Collaborative approach to working with branch leadership, internal teams, dealers, and other partners
• Availability to work evenings and Saturdays as required by branch operations

Responsibilities

• Own your portfolio from delinquency through repossession referral and support.
• Make high-volume inbound and outbound calls to understand delinquency and discuss options.
• Establish payment arrangements within guidelines and follow up on commitments.
• Maintain accurate account records and document interactions and updates.
• Use skip-tracing and account research methods to locate customers and update contact information.
• Identify accounts for repossession consideration and advise Branch Manager.
• Collaborate with Branch Management, Remarketing, Insurance Claims, dealers, and internal teams to keep accounts moving.
• Provide backup administrative support and help maintain smooth branch operations.

Skills

Negotiation

Communication

Conflict resolution

Attention to detail

Time management

Team collaboration

Customer service

Education

High school diploma or equivalent

Job description

COLLECTIONS SPECIALIST

Solve problems. Build relationships. Keep things moving.

Professional Financial Services (PFS) | Auto Finance

THE OPPORTUNITY

Collections isn't just about making a call and asking for a payment.

It's about listening, understanding the situation, negotiating a realistic solution, and knowing when to take the next step.

As a Collections Specialist with Professional Financial Services (PFS), you'll work directly with customers who have fallen behind on their auto loans. You'll use your collections experience, communication skills, and judgment to help customers get back on track—while protecting the company's interests and managing accounts responsibly.

If you're persistent without being pushy, confident having difficult conversations, and genuinely enjoy solving problems, this could be a great fit.

WHAT YOU WILL DO

Own your portfolio
Manage assigned auto-loan accounts from the first day of delinquency through repossession referral and support.

Connect with customers
Make high-volume inbound and outbound calls to understand why an account is delinquent, discuss available options, and work toward an appropriate resolution.

Negotiate solutions
Establish payment arrangements within company guidelines, monitor promises to pay, and follow up when commitments aren't met.

Know the details
Maintain accurate account records, document customer interactions, update account information, and ensure communications and arrangements are properly recorded.

Find the customer when needed
Use approved skip-tracing and account-research methods to locate customers and update contact information.

Use good judgment
Identify accounts that meet established criteria for repossession consideration and make recommendations to the Branch Manager.

Work across the business
Partner with Branch Management, Remarketing, Insurance Claims, dealers, and other internal teams to keep accounts moving and information flowing.

Step outside the branch when necessary
Make occasional local customer visits when telephone contact has been unsuccessful and an account is approaching repossession referral. These visits generally occur only a few times per month and are intended to provide another opportunity to resolve the account. Authorized visits may include documenting whether the vehicle is present and its general visible condition.

Build relationships from day one
Conduct welcome calls with newly opened auto-loan customers to verify contact information, answer questions, review payment expectations and payment options, and establish a positive relationship.

Be part of the team
Provide backup administrative support when needed and help maintain smooth branch operations, while keeping collections as your primary responsibility.

WHAT YOU WILL BRING

We're looking for someone who knows how to balance results with respect.

You'll ideally bring:

• 2+ years of collections experience
• Auto finance, consumer lending, or related collections experience preferred
• Strong negotiation, problem-solving, and conflict-resolution skills
• Excellent verbal and written communication
• Experience managing a high-volume account queue
• Strong attention to detail and the ability to manage multiple time-sensitive priorities
• Comfort working with account-management and communication systems
• The ability to handle sensitive financial information with discretion
• A collaborative approach to working with branch leadership, internal teams, dealers, and other partners
• High school diploma or equivalent
• Valid driver's license, legally required automobile insurance, and reliable transportation for occasional local customer visits
• Availability to work evenings and Saturdays as required by branch operations

WHY PFS?

A job is one thing. A career is another.

Professional Financial Services is a stable company that believes in developing people from within. Many of our leaders started in frontline roles and built their careers here.

When you join PFS, you'll have the opportunity to:

Grow your career
Training, development, and opportunities to advance.

Work with leadership
Hands-on managers who know the business and support their teams.

Make an impact locally
Build relationships with customers, dealers, and the communities we serve.

Be part of a team
A workplace built around respect, accountability, and customer care.

BENEFITS

• Medical, dental, vision, and life insurance
• Paid time off and paid holidays
• 401(k) with company match
• Employee assistance program
• Extensive training and professional development
• Opportunities for advancement throughout the company

This position is subject to a background check for convictions directly related to its duties and responsibilities. Only convictions directly relevant to the role will be considered and will not automatically disqualify a candidate.