Collections Representative Jobs
Collections Representative jobs are open across financial services, healthcare, telecommunications, and retail, at every level from entry-level to senior and team lead, with specializations in medical billing, consumer debt, and commercial accounts. Scan the live roles below and apply to whichever ones fit.
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Collections Representative – City Center
Job Type: Full-time, Non-exempt
Across Minnesota and Wisconsin, National Bank of Commerce is making a difference in the financial lives of the people, communities, and businesses we serve. We exist to help our customers accomplish more than they could on their own. Join our creative and accomplished professional team to help us make more possible.
The Collections Representative is responsible for managing collection activities for the bank's retail loan portfolio, including Freddie Mac and other secondary market mortgage loans, portfolio mortgage loans, home equity products, direct and indirect consumer loans, and other retail lending programs. This role works to minimize delinquency and credit risk through effective account management, customer communication, payment arrangement negotiation, and resolution of delinquent loan accounts. The position also supports portfolio performance by assisting in the development and execution of collection strategies and recommending appropriate actions, including repossessions, foreclosures, legal proceedings, or referral to third-party collection agencies when necessary.
In addition to collection responsibilities, the Collections Representative ensures compliance with bank policies, secondary market investor requirements, and all applicable state and federal regulations. The role is responsible for completing required reporting for Freddie Mac and other secondary market investors within established deadlines, maintaining accurate documentation of collection efforts, and staying current on collection practices, regulatory requirements, and servicing guidelines. Through collaboration with department leadership, this position helps maintain acceptable delinquency levels, protect bank assets, and supports the overall quality and performance of the loan portfolio.
Qualified candidates will have:
- High School Diploma or equivalent; relevant secondary education or a combination of education and experience preferred
- Previous banking and/or financial service industry experience required; prior collection experience preferred
- Basic computer skills
- Effective oral, written, and interpersonal skills
- Ability to exhibit NBC core values at all times: Respect, Integrity, Teamwork, and Accountability
Compensation and Benefits
The pay range for this position is $20.00 to $30.00 per hour. This pay range is contingent on relevant skills, training, experience, education, and other job-related factors permitted by law.
National Bank of Commerce offers an excellent benefits package including health, dental, and vision plan for you, your spouse, and eligible children, Health Savings Account (HSA) contribution (including employer contributions), flexible spending accounts, 401(k) plan with a generous match, paid time off program, paid holidays & floating holidays, volunteer time off program, employer paid life insurance, voluntary life plans, short-term disability insurance, long-term disability insurance, health and wellness incentive, and employee assistance program.
National Bank of Commerce is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability status, protected veteran status, or any other characteristic protected by law. National Bank of Commerce will comply with all federal and state laws concerning the application and employment of people with disabilities.
Collections Representative – City Center
Job Type: Full-time, Non-exempt
Across Minnesota and Wisconsin, National Bank of Commerce is making a difference in the financial lives of the people, communities, and businesses we serve. We exist to help our customers accomplish more than they could on their own. Join our creative and accomplished professional team to help us make more possible.
The Collections Representative is responsible for managing collection activities for the bank's retail loan portfolio, including Freddie Mac and other secondary market mortgage loans, portfolio mortgage loans, home equity products, direct and indirect consumer loans, and other retail lending programs. This role works to minimize delinquency and credit risk through effective account management, customer communication, payment arrangement negotiation, and resolution of delinquent loan accounts. The position also supports portfolio performance by assisting in the development and execution of collection strategies and recommending appropriate actions, including repossessions, foreclosures, legal proceedings, or referral to third-party collection agencies when necessary.
In addition to collection responsibilities, the Collections Representative ensures compliance with bank policies, secondary market investor requirements, and all applicable state and federal regulations. The role is responsible for completing required reporting for Freddie Mac and other secondary market investors within established deadlines, maintaining accurate documentation of collection efforts, and staying current on collection practices, regulatory requirements, and servicing guidelines. Through collaboration with department leadership, this position helps maintain acceptable delinquency levels, protect bank assets, and supports the overall quality and performance of the loan portfolio.
Qualified candidates will have:
- High School Diploma or equivalent; relevant secondary education or a combination of education and experience preferred
- Previous banking and/or financial service industry experience required; prior collection experience preferred
- Basic computer skills
- Effective oral, written, and interpersonal skills
- Ability to exhibit NBC core values at all times: Respect, Integrity, Teamwork, and Accountability
Compensation and Benefits
The pay range for this position is $20.00 to $30.00 per hour. This pay range is contingent on relevant skills, training, experience, education, and other job-related factors permitted by law.
National Bank of Commerce offers an excellent benefits package including health, dental, and vision plan for you, your spouse, and eligible children, Health Savings Account (HSA) contribution (including employer contributions), flexible spending accounts, 401(k) plan with a generous match, paid time off program, paid holidays & floating holidays, volunteer time off program, employer paid life insurance, voluntary life plans, short-term disability insurance, long-term disability insurance, health and wellness incentive, and employee assistance program.
National Bank of Commerce is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability status, protected veteran status, or any other characteristic protected by law. National Bank of Commerce will comply with all federal and state laws concerning the application and employment of people with disabilities.
Collections Representative Jobs by Experience Level
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Find JobsCollections Representative Job Market
Who's Hiring
- Marine Credit Union18
- Westlake Financial4
- Stellantis3
- Covenant Health3
- Service Corporation International3
Top Industries Hiring
- Food & Beverage
- Law & Legal Services
- Agriculture & Farming
- Hospitality & Tourism
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in collections representative jobs.
- 1-2 years of experience in collections, accounts receivable, or a related customer-facing role
- Working knowledge of the Fair Debt Collection Practices Act and relevant state regulations
- Proficiency with collections software platforms and customer relationship management tools
- Strong verbal communication skills with experience handling difficult or high-volume phone interactions
- High school diploma or GED required, with associate or bachelor's degree preferred by many employers
- Ability to meet monthly recovery quotas and performance metrics consistently
Tips for Your Collections Representative Job Search
Tailor your resume to collection metrics
Collections employers want to see concrete performance data, so call out your recovery rates, average call volume, and portfolio size in your work history. Vague phrases like 'handled collections calls' get skipped. Numbers get interviews.
Target openings by debt type
Medical, consumer, and commercial collections each have different regulatory environments and skill expectations. Filter your search by industry so you're applying to roles that match what you've actually worked, rather than retraining on the employer's time.
Apply early to roles that fit
Migrate Mate lists collections representative openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Highlight FDCPA knowledge on applications
Many applicants skip compliance fluency on their resume because it feels obvious in the field. Listing your working knowledge of the Fair Debt Collection Practices Act signals to hiring managers that you won't create legal exposure from day one.
Prepare role-specific examples for behavioral questions
Interviewers will ask how you handle a debtor who disputes a balance or becomes hostile. Rehearse two or three real situations with a clear outcome before your interview. Generic answers about 'staying calm' won't separate you from other candidates.
Negotiate using collections-specific benchmarks
When discussing compensation, anchor to the commission structure and bonus thresholds, not just base pay. Ask how performance is measured and what percentage of the team hit their target last quarter, so you understand the realistic earning picture before accepting.
Collections Representative Jobs: Frequently Asked Questions
Which companies are hiring the most collections representatives?
The companies hiring the most collections representatives right now include Marine Credit Union, Westlake Financial, and Stellantis, with the largest share of openings in Wisconsin, Texas, and California, based on current listings on Migrate Mate as of August 2026. Healthcare systems, financial institutions, and third-party collections agencies account for the majority of posted roles.
How many collections representative jobs are remote?
About 51% of collections representative openings are fully remote or hybrid as of August 2026, reflecting the role's shift toward call-center-style work that travels well to home offices. Consumer debt and medical billing collections tend to have the highest share of remote positions, while commercial and legal collections roles are more likely to require on-site presence.
How do you become a collections representative?
Most employers require a high school diploma and strong phone communication skills as a starting point. From there, you build familiarity with collections regulations, particularly the Fair Debt Collection Practices Act, through on-the-job training or self-study. Entry-level roles in customer service or accounts receivable give you the call-handling and documentation experience that collections managers look for when hiring.
Can you get a collections representative job with little or no experience?
Yes, many collections employers hire candidates with no direct collections background if you can demonstrate strong communication skills and comfort with high-volume phone work. Customer service, retail, or call center experience transfers well. Employers typically provide paid training on their collections software and compliance requirements, so they're often hiring for temperament and reliability as much as technical knowledge.
What does the collections representative interview process look like?
Most collections interviews start with a phone screen focused on your availability, communication style, and basic familiarity with debt recovery concepts. An in-person or video interview follows, where you'll answer behavioral questions about handling disputes and working under performance targets. Some employers include a brief role-play scenario to see how you handle a resistant debtor before extending an offer.
Where can I find and apply to collections representative jobs?
You can find and apply to collections representative jobs on Migrate Mate, which lists current openings from employers across the United States. Search the listings to find roles that match your experience and specialty, then apply directly to each one that fits.
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