Collections Representative Job Description


Putting People First

Our company is committed to equal employment opportunity. We will not discriminate against employees or applicants for employment on any legally-recognized basis ["protected class"] including, but not limited to: race; color; religion; genetic information; national origin; sex; pregnancy, childbirth, or related medical conditions; age; disability; citizenship status; uniform service member status; or any other protected class under federal, state, or local law.


Employees work Monday - Friday for 8 hours per day. Employees take two paid breaks and an unpaid one-hour lunch each day. Employee sits at a desk during regularly scheduled work hours; answers and makes telephone calls using a voice over ip telephone system; types on a standard keyboard; reads and comprehends information from a computer terminal, collection software and/or written resources

To ensure that Cedar Financial employees comply with federal and state consumer financial protection laws, all employees must agree to record all telephone calls using company equipment.


  • Able to work individually and as a team to meet monthly goals.
  • Communicate with customers with past due accounts via telephone or written communication
  • Maintain the highest level of compliance with all company policies and procedures
  • Follow all state and federal collection laws
  • Negotiate and collect payments for delinquent customers
  • Provide regular reporting to supervisor
  • Willingness to learn new skills
  • Accurate and detailed data entry
  • Results-driven, motivated and multi-tasker
  • Ability to communicate effectively both verbally and in writing
  • Excellent work ethic
  • Manage and maintain accounts of all customers
  • Answer customer questions regarding problems with their accounts
  • Arrange for debt repayment or to establish repayment schedules, based on customers' financial situations

Requirements and Qualifications

  • Great customer service skills
  • Ability to multi-task
  • Organization skills
  • Team Player
  • Positive attitude
  • Willing to go above and beyond
  • Good grammar and spelling
  • Stable employment history

Values that make a great collections representative

  • Professionalism
  • Honesty and Integrity
  • Problem-Solving
  • Dependability and Reliability
  • Loyalty
  • motivation, good energy and passionate

Cedar Financial Benefits and Perks

  • Paid Vacation
  • Sick time
  • Medical, Dental, Vision and Chiro Insurance
  • Life Insurance
  • 401k
  • Monthly contests
  • Company outings
  • Paid Holidays

Cedar Financial Hiring Process:

  • Apply Online: Create a profile and submit your resume online. We'll call you if you are being considered for a position.
  • Phone Interview: We'll chat to see if you are a good candidate for the role we are considering for you.
  • Take Assessments: You may be asked to come in for skills testing, if needed for the role.
  • On-site Interview: We'll talk with you in person to get to know you better. (This may be done the same day as skills testing.)
  • Pre-Employment Verification: We'll conduct a reference, background, education and employment check, and you will need to pass a drug screen.

"I started working for Cedar Financial as a temporary employee. The president was impressed with my performance and I was hired on as a regular full time employee soon after. I have enjoyed working in the professional, entrepreneurial spirit of the company."

Syntheia N.