Servicing Specialist I - No weekends

American Credit Acceptance; Meridian (ID); On-site; USD 35,000 - 45,000; Full time

Job summary

A financial services company in Meridian, Idaho, is seeking a Servicing Specialist to manage delinquent accounts. This position emphasizes real interactions with customers to negotiate payment solutions and requires strong communication skills, sound judgment, and a stable work history. The role is full-time, Monday to Friday, and includes performance goals to drive success. Ideal candidates have a high school diploma and collections or customer service experience. This is not a script-based role but rather one focused on relationship-building and accountability.

Qualifications

• Must have strong verbal and written communication skills.
• Stable work history is preferred.
• Ability to navigate various computer systems is essential.

Responsibilities

• Manage a portfolio of delinquent accounts ranging from early to high-risk.
• Negotiate payment arrangements with customers.
• Document account activity accurately.

Skills

Strong communication skills

Ability to navigate multiple computer systems

Sound judgment

Attention to detail

Education

High School Diploma or GED

College coursework or degree

Tools

Auto-dialer system

Job description

At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation. For many of our customers, their vehicle isn’t optional — it’s how they get to work, care for family, and move forward.

When customers fall behind, that’s where you come in. As a Servicing Specialist, you’ll serve as a key point of connection between our company and our customers. You’ll have real conversations about finances, negotiate solutions, and help customers take the right next step — all while protecting the performance of the portfolio you manage.

This is not a script-reading role. It’s a performance-driven position that requires resilience, sound judgment, and the ability to balance empathy with accountability.

We hire at three levels (I–III) based on experience. Candidates with prior collections experience are strongly encouraged to apply. We also welcome professionals from customer service, sales, or other roles that required handling objections, meeting goals, and navigating difficult conversations.

What You’ll Do

• Manage a portfolio of delinquent accounts ranging from early to high-risk (31+ days past due)
• Initiate and receive calls (manual and auto-dialer) to resolve outstanding balances
• Negotiate payment arrangements and establish clear next steps
• Assess customer situations and make informed decisions within policy guidelines
• Utilize skip‑tracing tools to locate updated customer information
• Document account activity accurately and thoroughly
• Handle escalated calls professionally
• Work toward monthly performance goals while maintaining a respectful customer experience

What Makes You a Strong Fit

• You are comfortable asking for payment and discussing financial obligations
• You can stay calm and professional during challenging conversations
• You balance empathy with firmness
• You are motivated by goals and performance incentives
• You are coachable and continuously looking to improve
• You bring sound judgment and attention to detail

Qualifications

Required

• High School Diploma or GED
• Strong communication skills (verbal and written)
• Ability to navigate multiple computer systems
• Stable work history

Preferred

• 1–3+ years of collections experience
• OR experience in customer service, sales, or another role requiring negotiation and goal achievement
• Experience using an auto‑dialer system
• Demonstrated history of meeting or exceeding performance goals
• College coursework or degree

Schedule

Full-Time
Monday–Friday | 10:00 AM – 7:00 PM

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EEO Statement: ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non‑discrimination in employment in every location in which the company has facilities.

California Privacy Notice As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.