Collections Specialist

Advanced Personnel Resources is seeking an experienced Bilingual Collector to support delinquency management and account resolution efforts while delivering exceptional customer service. This role is responsible for contacting customers regarding past-due accounts, negotiating repayment arrangements, resolving account issues, and maintaining accurate collection documentation. The ideal candidate will have strong collections experience, excellent communication and negotiation skills, and the ability to manage high-volume account activity in a fast-paced environment.Job DutiesContact customers regarding delinquent loans, credit cards, and overdraft accounts through phone, email, and text communication.Negotiate payment arrangements and assist customers in establishing realistic repayment plans.Utilize skip-tracing tools and collection techniques to locate difficult-to-reach customers.Monitor repayment agreements and follow up on unresolved or missed payments.Maintain detailed and accurate documentation of collection activities, payment arrangements, and account status updates.Handle high volumes of inbound and outbound calls while meeting service and performance expectations.Research and resolve account disputes, charge-off inquiries, and complex collection issues.Identify potential financial hardship situations and recommend appropriate solutions or account modification options.Collaborate with internal departments to resolve account concerns efficiently and professionally.Assist with repossession recommendations and recovery-related documentation as needed.Provide guidance and support to junior collections team members on escalated or complex accounts.Participate in ongoing training related to collections practices, compliance, and customer service standards.Ensure compliance with all applicable debt collection laws, regulations, and company policies.QualificationsHigh school diploma or equivalent required; college coursework or degree preferred.Minimum of 5 years of experience in collections, financial services, or call center operations.Bilingual English/Spanish proficiency required.Strong understanding of collections laws, regulations, and compliance requirements.Experience with skip-tracing tools, collection systems, and account management software.Knowledge of bankruptcy, repossession, and recovery processes preferred.Excellent negotiation, problem-solving, and conflict-resolution skills.