Personal Loan Account Representative

Capital Management Services; Buffalo (NY); On-site; USD 23,000 - 26,000; Full time

Benefits offered by this job

Medical, dental, and vision

Paid time off

401(k) with company match

Employee referral program

Advancement opportunities

Equipment provided

Fully paid training

40-hour workweek

Job summary

Capital Management Services (CMS) in Buffalo, NY is hiring for a full-time customer service specialist to help personal loan customers get back on track, handling inbound and outbound calls, explaining payment options, and documenting each conversation.

Starting pay is $17 per hour with potential bonuses up to $500 per month. Training is fully paid, and you’ll work a 40-hour week with medical, dental, and vision insurance, PTO, and a 401(k) with company match.

Qualifications

• Experience in first-party collections or financial services is a plus.
• Ability to handle sensitive conversations with empathy and take accurate notes while using multiple systems.

Responsibilities

• Handle inbound and outbound calls for customers with personal loans past due.
• Explain payment options and help customers take the next step to bring accounts current.
• Review account details and document each conversation accurately.
• Meet individual and team performance goals while following client and compliance requirements.

Skills

Clear communication

Customer service

Problem-solving

Tech-savvy

Attendance reliability

Tools

CRM software

Job description

$17/hour starting pay + up to $500/month in performance bonuses
Full-time, on-site in Buffalo, NY | Paid training starts Monday, November 16, 2026

Put your customer service skills to work helping people get their personal loan payments back on track. At Capital Management Services (CMS), you'll work directly with customers on behalf of a nationally recognized financial institution. You'll explain payment options, help customers resolve recently missed payments, and give them a clear next step.

Experience in first-party collections or financial services is a plus. If you're comfortable on the phone, can handle sensitive conversations with empathy, and know how to keep accurate notes while working across multiple systems, we'd like to hear from you.

What you'll get

• $17/hour starting pay with the opportunity to earn up to $500 per month in performance bonuses

• Fully paid training and a full-time, 40-hour workweek

• Medical, dental, and vision insurance

• Paid time off and a 401(k) with company match

• Employee referral program and opportunities for advancement

• All equipment provided

What you'll do

• Handle inbound and outbound calls for customers whose personal loans are 2–90 days past due.

• Listen to each customer's situation, explain available payment options, and help them take the next step toward bringing their account current.

• Review account details and document each conversation accurately.

• Meet individual and team performance goals while following client and compliance requirements.

What you'll bring

• Clear communication and a professional phone presence

• Strong customer service and problem-solving skills

• Comfort navigating multiple computer systems while speaking with customers

• Reliable attendance and the ability to work toward performance goals

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