Collections Representative

We are seeking motivated and detail-oriented Loan Adjustors (Levels I–III) to join our Retail Lending team. In this role, you will manage delinquent loan accounts by working directly with customers to identify solutions, establish payment arrangements, and help bring accounts back to a current status.

Depending on experience level, you will handle a range of accounts—from early-stage delinquencies to complex, late-stage collections and recovery efforts—while ensuring compliance with all policies and regulations.

• →Contact customers with past-due accounts to discuss repayment options and establish payment plans
• →Negotiate solutions that align with both customer needs and bank guidelines
• →Analyze borrower financial situations to determine appropriate collection strategies (Levels II & III)
• →Maintain accurate and detailed records of all account activity, communications, and payment arrangements
• →Research and resolve account discrepancies, including payment issues and transaction history
• →Prepare written correspondence, including demand letters and customer communications
• →Partner with internal teams (loan officers, recovery specialists, etc.) to resolve accounts
• →Ensure compliance with all regulatory requirements and internal policies

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• Independently determine collection strategies based on account analysis
• Support reporting and provide guidance to less experienced team members

• Manage complex, late-stage delinquent and recovery accounts
• Initiate and coordinate legal actions in accordance with policies and applicable laws
• Act as a subject matter expert and provide guidance or support across the team

• Strong communication and negotiation skills
• Excellent customer service and problem-solving abilities
• High attention to detail and ability to manage multiple priorities
• Analytical mindset with sound decision-making skills (especially Levels II & III)
• Comfortable working with systems, data, and documentation
• Knowledge of collections practices, regulations, and loan products preferred

• Education: High School Diploma or GED required
• Experience:
  • Level I: 1+ year of customer service, collections, or related experience
  • Level II: 3+ years of collections or loan servicing experience
  • Level III: 3+ years (typically 5+) in advanced collections, recovery, or complex account management

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.