Collections Specialist

We are looking for a Collections Specialist to join a banking organization in Charleston, South Carolina on a Contract to Permanent basis. This role is ideal for someone who can balance customer communication with sound financial judgment while helping manage account receivables and reduce outstanding balances. The position focuses on evaluating account status, resolving payment-related issues, and supporting consistent collection activity in a fast-paced environment.

Responsibilities:
• Build and update customer credit records to maintain accurate account history and support informed collection decisions.
• Review credit data and third-party reporting tools to evaluate account risk and determine appropriate follow-up actions.
• Conduct outreach to customers regarding overdue balances and support collection efforts across an assigned accounts receivable portfolio.
• Record daily collection interactions, payment updates, and account status notes with a high level of accuracy.
• Investigate disputed charges and billing concerns by researching account details and coordinating resolution steps.
• Reconcile account balances and payments to identify inconsistencies and ensure financial records are aligned.
• Address credit-related questions from both internal partners and external customers in a thorough and timely manner.
• Flag seriously past-due accounts for possible escalation to outside collection agencies and identify potential bad debt exposure.• Experience in consumer collections, cash collections, or credit and collections activities.
• Background working in the banking industry or within banking operations.
• Ability to assess credit risk using reports, account history, and available financial data.
• Strong customer service and communication skills, including confidence handling sensitive payment discussions.
• Experience researching billing issues, resolving disputes, and performing account reconciliations.
• Strong attention to detail with the ability to document activity clearly and maintain accurate records.
• Proficiency managing multiple accounts and prioritizing follow-up actions in a deadline-driven setting.