Senior Collections Specialist

About the Role

Responsible for maintaining acceptable Effectiveness Collection Percentages on NPA delinquent accounts, communicating with internal and external customers to resolve delinquent contracts, and utilizing all available resources to protect the Company’s interest while executing resolution plans in a timely manner.

Responsibilities

• Maintain acceptable Effectiveness Collection Percentages on NPA delinquent accounts.
• Effectively communicate with both internal and external customers to resolve delinquent contracts.
• Utilize all internal and external resources to establish contact, identify appropriate resolution courses, protect the Company’s interest, and execute the resolution plan promptly.
• Maintain acceptable productivity levels (call volumes) to properly service the portfolio.
• Communicate with lessees 91‑120 days past due by telephone, mail, and personal contact.
• Demonstrate strong telephone customer service skills.
• Meet and exceed NPA goals.
• Make resolution arrangements when accepting less than the total due.
• Assist in negotiating and resolving insurance issues on delinquent 91‑120 day accounts.
• Ensure collection of late charges and miscellaneous fees as appropriate.
• Maintain complete and accurate collection notes on collection screens.
• Prepare repossession authorization packets as needed.
• Meet individual call‑volume targets and conduct calls in a professional manner.
• Perform extensions, rewrites, purchase agreements, and forbearance agreements within authority or with management approval.
• Prepare files for attorney demand letters and litigation packets when necessary.
• Prepare settlement packets including fair market values and credit‑bureau requests.
• Maintain current knowledge of and adherence to UDAAP and FDCPA tenets.
• Notify supervisor or manager of any significant situations that may cause harm or loss to the company.
• Provide the highest level of customer service to lessees, vendors, brokers, and staff.
• Maintain confidentiality of all company information.
• Develop and maintain positive relationships with Financial Pacific managers and staff.
• Assist and support other staff as needed.
• Maintain regular and predictable attendance and punctuality.
• Perform all other duties as assigned by management.
• Demonstrate compliance with all bank regulations; stay up‑to‑date on regulation changes.
• Follow all bank policies, procedures, and compliance regulations; complete required training.
• Maintain working knowledge of Bank Secrecy Act, Regulation CC, Regulation E, bank security, and related policies.
• Coach, mentor, or train others as a subject‑matter expert when requested.
• Actively learn, demonstrate, and foster the Columbia corporate culture.
• Take personal initiative and serve as a positive example for others.
• Embrace the vision to become “Business Bank of Choice.”
• May perform other duties as assigned.

Requirements

• High school graduate or equivalent.
• Previous collections experience required.
• Collection experience in a leasing/contract environment or equivalent preferred.
• Data entry skills and ability to multi‑task.
• Ability to learn and comply with all bank policies, procedures, and systems.
• Consistently demonstrates ability and willingness to build relationships with associates.
• Ability to think critically and provide appropriate solutions.
• Reading, writing, and basic math skills.

Pay

The pay range for this role is $22.00 – $25.50 per hour. The final rate depends on job‑related knowledge, skills, experience, education, and geographic location. The role may be eligible for performance‑based incentive compensation, with details provided during the recruitment process.

Benefits

• Competitive total rewards package including base wages.
• Comprehensive healthcare coverage (medical, dental, and vision).
• 401(k) retirement savings plan with employer match for qualifying contributions.
• Employee assistance program.
• Life insurance.
• Disability insurance.
• Tuition assistance.
• Mental health resources.
• Identity theft protection.
• Legal support.
• Auto and home insurance.
• Pet insurance.
• Access to an online discount marketplace.
• Paid vacation, sick days, volunteer days, and holidays.
• Benefit eligibility begins the first day of the month following hire for associates working at least 30 hours weekly.

Location

3455 South 344th Way, Suite 300, Federal Way, WA 98001. Ability to work fully onsite at the posted location.