Collections Representative Jobs in USA with Visa Sponsorship
Collections representatives can qualify for H-1B visa sponsorship when the role requires specialized accounting, finance, or business administration knowledge. Success depends on demonstrating that debt recovery and customer account management requires a bachelor's degree, not just collections experience. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsWho We Are
At Newrez, we bring big thinkers and caring doers together to make home happen. We’re a team built on heart and hustle, united by a commitment to show up for our customers, our communities, and each other. We believe that when our people thrive, homeowners thrive - and that’s why we invest in your growth, wellbeing, and ability to make an impact.
Every day, we work to exceed the expectations of our residential mortgage borrowers and business partners through superior service, simple processes, and clear communication. We do this by empowering our employees, encouraging innovative solutions and recognizing great performance.
Primary Function
A Dedicated Servicing Consultant I is a collector who is responsible for collections on First Bank and GMFS portfolios in order to maximize recovery and disposition loans to the appropriate work out strategy.
Principal Duties:
- Receive and review loan information.
- Contact borrowers to cure delinquency, set up payment arrangements and/or settle accounts through the use of manual calls and an automated dialer.
- Manual dialing specifically calling Active cells that do not reach the dialer as well as additional allowed attempts to landlines and permission granted cells.
- Identify and recommend optimal workout strategies based on individual borrower.
- Understands Current and 30 DPD rolls and how to read manual dialing reports.
- Understands Legal/Warning statuses on manual dialing reports.
- Work with designated clients taking inbounds and making outbound calls for those clients only.
- Effectively and efficiently corresponds via email with dedicated clients.
- Use the DA tool and work with client matrices regarding workout strategies including deferments and repayment plans.
- Effectively notate RFD and the entire conversation with the customer for the clients to view notes and make determinations on actions.
- Utilize our skip tracing tools when confronted with an account that has no phone number.
- Identify and recommend assistance strategies, as necessary.
- Increase frequency of borrower contact by using scoring model.
- De-escalating calls and logging complaints.
- Updating contact preferences for homeowners when provided consent.
- Updating the system with updated preferred language changes.
- Assist in sending emails to borrowers which consists of pulling files, attaching documents, or mailing as well as follow-ups in regard to previous emails sent.
- Reaching out to consumers regarding past due accounts, taxes, liens, and insurance.
- Submit necessary tasks to have account updated in reference to the current issue on the account.
- Give in depth reviews of escrow analysis to ensure the consumer is aware or any changes made to the account.
- Provide top notch care to our consumers by answering questions about the payments, taxes, insurance, etc.
- Ensure that each account is accurately documented as well as capturing complaints when necessary.
- Aid consumers to help cure the delinquency status by offering RPPs, or deferments if eligible.
- Meet monthly departmental goals by maintaining 100 payments per month or the team average as well as meet EVPH goals by ensuring that promises are captured on each call.
- Provide one call resolution.
- Prior to seeking approval, check deferments and repayment plans for accuracy. Ensure the correct clients' requests are submitted via the delegated authority tool.
- Performs related duties as assigned by management.
Education and Experience
- High school diploma or equivalent, required.
- Bachelor’s degree, preferred.
- 1 year loss mitigation, collections, or related mortgage-servicing experience, preferred, but not required.
Knowledge, Skills, and Abilities
- Knowledgeable with FDCPA guidelines.
- Must pass written exam to determine comprehension of situations and proper writing style.
- English fluency required, Spanish fluency a plus.
- Outstanding telephone and written communication skills.
- Familiarity with Internet-based search techniques (including the use of skip-tracing solutions).
- The ability to maintain professional conduct when dealing with people of any mood or personality type.
- Familiarity with lending-related terminology and processes, especially related to mortgage delinquency.
- Excellent reasoning and research skills; the ability to see the “big picture” and manage the details.
- The ability to safeguard confidential customer and company information.
- A solid work ethic, high integrity, a positive attitude, and strong attention to detail.
- The ability to follow instructions but work with minimal direct supervision.
- Excellent keyboarding skills.
- Proficiency with Microsoft Windows-based computers and Microsoft Office software (Word, Excel, Outlook, PowerPoint, etc.).
- The ability to remain stationary (mostly in a sitting position) for long periods of time.
- Must be able to remain in a stationary position for long periods of time.
- Must be able to effectively access/operate and interpret information on computer screens, documents, and reports.
- Must be able to effectively communicate with all homeowners.
While this description is intended to be an accurate reflection of the position’s requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.
By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.
Additional Information:
While this description is intended to be an accurate reflection of the position’s requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.
All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Microsoft Authenticator. Employment will be contingent on this requirement.
Why Newrez
We’re a great place to work because we invest in what matters: your career, your community, your wellbeing, and your future. Our total rewards package is designed to support your whole self.
Company Benefits:
We offer benefits, programs, and perks that support you in every aspect of your life.
- Medical, dental, and vision insurance
- Health Savings Account with employer contribution
- 401(k) Retirement plan with employer match
- Paid Maternity Leave/Parental Bonding Leave/Caregiver Leave
- Adoption Assistance
- Tuition & Certification reimbursement
- Employee Mortgage Loan Program
- The Newrez Employee Emergency and Disaster Fund is a program to support our team members experiencing hardships
Newrez NOW:
Through Newrez NOW, our Corporate Social Responsibility program, you’ll have opportunities to give back, lead, and make a difference.
- 1 company-paid Volunteer Time Off day (with over 40,000 volunteer hours contributed since our inception)
- Matching Gifts Program - dollar-for-dollar up to $1,000
- Access to grants, nonprofit resources, and volunteer opportunities
- More than $6,000,000 donated since 2020
- 1 in 5 employees participates in at least one Employee Resource Group (ERG)
Equal Employment Opportunity
We're proud to be an equal opportunity employer - and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.
Who We Are
At Newrez, we bring big thinkers and caring doers together to make home happen. We’re a team built on heart and hustle, united by a commitment to show up for our customers, our communities, and each other. We believe that when our people thrive, homeowners thrive - and that’s why we invest in your growth, wellbeing, and ability to make an impact.
Every day, we work to exceed the expectations of our residential mortgage borrowers and business partners through superior service, simple processes, and clear communication. We do this by empowering our employees, encouraging innovative solutions and recognizing great performance.
Primary Function
A Dedicated Servicing Consultant I is a collector who is responsible for collections on First Bank and GMFS portfolios in order to maximize recovery and disposition loans to the appropriate work out strategy.
Principal Duties:
- Receive and review loan information.
- Contact borrowers to cure delinquency, set up payment arrangements and/or settle accounts through the use of manual calls and an automated dialer.
- Manual dialing specifically calling Active cells that do not reach the dialer as well as additional allowed attempts to landlines and permission granted cells.
- Identify and recommend optimal workout strategies based on individual borrower.
- Understands Current and 30 DPD rolls and how to read manual dialing reports.
- Understands Legal/Warning statuses on manual dialing reports.
- Work with designated clients taking inbounds and making outbound calls for those clients only.
- Effectively and efficiently corresponds via email with dedicated clients.
- Use the DA tool and work with client matrices regarding workout strategies including deferments and repayment plans.
- Effectively notate RFD and the entire conversation with the customer for the clients to view notes and make determinations on actions.
- Utilize our skip tracing tools when confronted with an account that has no phone number.
- Identify and recommend assistance strategies, as necessary.
- Increase frequency of borrower contact by using scoring model.
- De-escalating calls and logging complaints.
- Updating contact preferences for homeowners when provided consent.
- Updating the system with updated preferred language changes.
- Assist in sending emails to borrowers which consists of pulling files, attaching documents, or mailing as well as follow-ups in regard to previous emails sent.
- Reaching out to consumers regarding past due accounts, taxes, liens, and insurance.
- Submit necessary tasks to have account updated in reference to the current issue on the account.
- Give in depth reviews of escrow analysis to ensure the consumer is aware or any changes made to the account.
- Provide top notch care to our consumers by answering questions about the payments, taxes, insurance, etc.
- Ensure that each account is accurately documented as well as capturing complaints when necessary.
- Aid consumers to help cure the delinquency status by offering RPPs, or deferments if eligible.
- Meet monthly departmental goals by maintaining 100 payments per month or the team average as well as meet EVPH goals by ensuring that promises are captured on each call.
- Provide one call resolution.
- Prior to seeking approval, check deferments and repayment plans for accuracy. Ensure the correct clients' requests are submitted via the delegated authority tool.
- Performs related duties as assigned by management.
Education and Experience
- High school diploma or equivalent, required.
- Bachelor’s degree, preferred.
- 1 year loss mitigation, collections, or related mortgage-servicing experience, preferred, but not required.
Knowledge, Skills, and Abilities
- Knowledgeable with FDCPA guidelines.
- Must pass written exam to determine comprehension of situations and proper writing style.
- English fluency required, Spanish fluency a plus.
- Outstanding telephone and written communication skills.
- Familiarity with Internet-based search techniques (including the use of skip-tracing solutions).
- The ability to maintain professional conduct when dealing with people of any mood or personality type.
- Familiarity with lending-related terminology and processes, especially related to mortgage delinquency.
- Excellent reasoning and research skills; the ability to see the “big picture” and manage the details.
- The ability to safeguard confidential customer and company information.
- A solid work ethic, high integrity, a positive attitude, and strong attention to detail.
- The ability to follow instructions but work with minimal direct supervision.
- Excellent keyboarding skills.
- Proficiency with Microsoft Windows-based computers and Microsoft Office software (Word, Excel, Outlook, PowerPoint, etc.).
- The ability to remain stationary (mostly in a sitting position) for long periods of time.
- Must be able to remain in a stationary position for long periods of time.
- Must be able to effectively access/operate and interpret information on computer screens, documents, and reports.
- Must be able to effectively communicate with all homeowners.
While this description is intended to be an accurate reflection of the position’s requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.
By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.
Additional Information:
While this description is intended to be an accurate reflection of the position’s requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.
All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Microsoft Authenticator. Employment will be contingent on this requirement.
Why Newrez
We’re a great place to work because we invest in what matters: your career, your community, your wellbeing, and your future. Our total rewards package is designed to support your whole self.
Company Benefits:
We offer benefits, programs, and perks that support you in every aspect of your life.
- Medical, dental, and vision insurance
- Health Savings Account with employer contribution
- 401(k) Retirement plan with employer match
- Paid Maternity Leave/Parental Bonding Leave/Caregiver Leave
- Adoption Assistance
- Tuition & Certification reimbursement
- Employee Mortgage Loan Program
- The Newrez Employee Emergency and Disaster Fund is a program to support our team members experiencing hardships
Newrez NOW:
Through Newrez NOW, our Corporate Social Responsibility program, you’ll have opportunities to give back, lead, and make a difference.
- 1 company-paid Volunteer Time Off day (with over 40,000 volunteer hours contributed since our inception)
- Matching Gifts Program - dollar-for-dollar up to $1,000
- Access to grants, nonprofit resources, and volunteer opportunities
- More than $6,000,000 donated since 2020
- 1 in 5 employees participates in at least one Employee Resource Group (ERG)
Equal Employment Opportunity
We're proud to be an equal opportunity employer - and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.
See all 42+ Collections Representative Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Collections Representative roles.
Get Access To All JobsTips for Finding Collections Representative Jobs
Emphasize analytical requirements
Highlight how the role involves financial analysis, risk assessment, and data interpretation. Collections work requiring statistical modeling or payment behavior analysis strengthens the specialty occupation argument significantly.
Target financial services employers
Banks, credit unions, and fintech companies regularly sponsor collections roles because they understand the regulatory and analytical complexity. They're more likely to structure positions as specialty occupations.
Focus on compliance aspects
Roles involving FDCPA compliance, state collections laws, or regulatory reporting create stronger H-1B cases. Employers value collections representatives who understand complex legal frameworks governing debt recovery.
Highlight technology integration
Modern collections involves CRM systems, predictive analytics, and automated workflows. Experience with collections software and data analysis tools makes the specialty occupation case more compelling to USCIS.
Consider senior or specialized titles
Collections analyst, recovery specialist, or account resolution manager positions often have clearer degree requirements than entry-level collections representative roles. Title matters for visa petition strength.
Document process improvement experience
Collections roles that involve optimizing recovery processes, developing payment strategies, or analyzing portfolio performance demonstrate the analytical thinking that supports H-1B eligibility for this occupation.
Frequently Asked Questions
Do collections representative jobs qualify for H-1B sponsorship?
Collections representatives can qualify for H-1B visa sponsorship when the role requires specialized knowledge in finance, accounting, or business administration. The position must demonstrate that effective debt recovery requires theoretical and practical application of a specialized body of highly specialized knowledge, typically requiring a bachelor's degree in a related field.
How to find Collections Representative jobs with visa sponsorship?
To find Collections Representative jobs with visa sponsorship, use Migrate Mate, which specializes in connecting international candidates with sponsoring employers. Focus on financial services companies, banks, credit unions, and debt collection agencies that commonly hire for these roles and sponsor H-1B or other work visas. These employers often need skilled professionals to manage accounts receivable and customer payment processes.
What degree do I need for H-1B sponsorship in collections?
Most successful H-1B petitions for collections roles require a bachelor's degree in finance, accounting, business administration, economics, or a related field. The degree field should directly relate to the analytical, compliance, or financial management aspects of the collections position to satisfy USCIS specialty occupation requirements.
Which employers are most likely to sponsor collections representatives?
Financial institutions including banks, credit unions, mortgage companies, and fintech firms most commonly sponsor collections representatives because they understand the regulatory complexity and analytical requirements. Healthcare systems and large corporations with substantial accounts receivable also sponsor these roles when positioned as specialty occupations.
How can I strengthen my H-1B case for collections work?
Focus on analytical, compliance, and strategic aspects of collections rather than basic phone work. Emphasize experience with financial analysis, regulatory compliance, process improvement, and technology integration. Document any specialized training in collections law, data analysis, or financial risk assessment that supports the specialty occupation requirement.
What's the approval rate for collections H-1B petitions?
Collections representative H-1B petitions face higher scrutiny because USCIS often questions whether the role truly requires a specialty occupation. Success rates improve significantly when the position emphasizes analytical work, regulatory compliance, or financial analysis rather than routine collections activities. Proper job description framing is critical.
What is the prevailing wage requirement for sponsored Collections Representative jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.