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Become A Senior Credit And Collections Analyst

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Working As A Senior Credit And Collections Analyst

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Documenting/Recording Information
  • Communicating with Persons Outside Organization
  • Deal with People

  • Unpleasant/Angry People

  • Mostly Sitting

  • Repetitive

  • $67,000

    Average Salary

What Does A Senior Credit And Collections Analyst Do

Bill and account collectors try to recover payment on overdue bills. They negotiate repayment plans with debtors and help them find solutions to make paying their overdue bills easier.

Duties

Bill and account collectors typically do the following:

  • Find consumers and businesses who have overdue bills
  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”
  • Inform debtors that they have an overdue bill and try to negotiate a payment
  • Explain the terms of sale or contract with the debtor, when necessary
  • Learn the reasons for the overdue bills, which can help with the negotiations
  • Offer credit advice or refer a consumer to a debt counselor, when appropriate

Bill and account collectors generally contact debtors by phone, although sometimes they do so by mail. They use computer systems to update contact information and record past collection attempts with a particular debtor. Keeping these records can help collectors with future negotiations.

The main job of bill and account collectors is finding a solution that is acceptable to the debtor and maximizes payment to the creditor. Listening to the debtor and paying attention to his or her concerns can help the collector negotiate a solution.

After the collector and debtor agree on a repayment plan, the collector continually checks to ensure that the debtor pays on time. If the debtor does not pay, the collector submits a statement to the creditor, who can take legal action. In extreme cases, this legal action may include taking back goods or disconnecting service.

Collectors must follow federal and state laws that govern debt collection. These laws require that collectors make sure they are talking with the debtor before announcing that the purpose of the call is to collect a debt. A collector also must give a statement, called “mini-Miranda,” which informs the account holder that they are speaking with a bill or debt collector.

Although many collectors work for third-party collection agencies, some work in-house for the original creditor, such as a credit-card company or a health care provider. The day-to-day activities of in-house collectors are generally the same as those of other collectors.

Collectors usually have goals they are expected to meet. Typically, these include calls per hour and success rates.

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How To Become A Senior Credit And Collections Analyst

Collectors usually must have a high school diploma. A few months of on-the-job training is common.

Education

Most bill and account collectors are required to have a high school diploma, although some employers prefer applicants who have taken some college courses. Communication, accounting, and basic computer courses are examples of classes that are helpful for entering this occupation.

Training

Collectors usually get 1 to 3 months of on-the-job training after being hired. Training includes learning the company’s policies and computer software and learning the laws for debt collection in the Fair Debt Collection Practices Act, as well as their state’s debt-collection regulations. Collectors also may be trained in negotiation techniques.

Important Qualities

Listening skills. Collectors must pay attention to what debtors say when trying to negotiate a repayment plan. Learning the particular situation of the debtors and how they fell into debt can help collectors suggest solutions.

Negotiating skills. The main aspects of a collector’s job are reconciling the differences between two parties (the debtor and the creditor) and offering a solution that is acceptable to both parties.

Speaking skills. Collectors must be able to speak to debtors to explain their choices and ensure that they fully understand what is being said.

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Senior Credit And Collections Analyst Career Paths

Senior Credit And Collections Analyst
Credit And Collection Manager Accounts Receivable Manager Accounting Manager
Finance Manager
7 Yearsyrs
Credit And Collection Manager Accounts Receivable Manager
Accounting Manager
7 Yearsyrs
Credit And Collection Manager
Accounts Receivable Manager
6 Yearsyrs
Senior Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Senior Credit Analyst Credit Manager Office Manager
Account Manager
5 Yearsyrs
Senior Credit Analyst
Credit Manager
5 Yearsyrs
Credit Manager Office Manager Account Manager
Senior Account Manager
7 Yearsyrs
Accounts Receivable Supervisor Office Manager Director
Managing Director
11 Yearsyrs
Accounts Receivable Supervisor Accounting Manager Operations Manager
Manager, Assistant Vice President
7 Yearsyrs
Accounts Receivable Supervisor Accounting Manager Project Manager
Portfolio Manager
7 Yearsyrs
Credit/Collection Supervisor Accounts Receivable Manager Senior Account Manager
Vice President And Manager
10 Yearsyrs
Credit/Collection Supervisor Collections Manager Account Manager
Relationship Manager
6 Yearsyrs
Credit/Collection Supervisor Collections Manager Client Services Manager
Client Manager
6 Yearsyrs
Senior Accounts Receivable Analyst Senior Accountant
Accounts Payable Manager
7 Yearsyrs
Senior Accounts Receivable Analyst Senior Accountant Senior Staff Accountant
Accountant And Office Manager
6 Yearsyrs
Senior Accounts Receivable Analyst Accounts Receivable/Credit Manager
Collections Manager
5 Yearsyrs
Accounts Receivable Supervisor
5 Yearsyrs
Senior Accounts Receivable Analyst
7 Yearsyrs
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Do you work as a Senior Credit And Collections Analyst?

Help others decide if this is a good career for them

Average Length of Employment
Credit Manager 4.5 years
Credit Supervisor 4.3 years
Collection Analyst 2.9 years
Credit Analyst 2.9 years
Top Careers Before Senior Credit And Collections Analyst
Consultant 3.2%
Accountant 2.2%
Top Careers After Senior Credit And Collections Analyst
Accountant 2.2%
Consultant 2.2%

Do you work as a Senior Credit And Collections Analyst?

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Top Skills for A Senior Credit And Collections Analyst

  1. Credit Reports
  2. Customer Accounts
  3. Customer Service
You can check out examples of real life uses of top skills on resumes here:
  • Analyzed credit reports, granting credit line increases, approving/turning down credit, and gave denial explanations.
  • Partnered with Associate Directors and Process Managers to implement processes for newly acquired customer accounts.
  • Develop relationships with internal and external customers and suppliers and provide customer service support.
  • Collaborated with internal departments and management to eliminate problems on large accounts reducing receivables and DSO.
  • Analyze customer financial statements, credit resource and industry information to establish appropriate line of credit and risk category.

Senior Credit And Collections Analyst Demographics

Gender

Female

57.6%

Male

31.5%

Unknown

11.0%
Ethnicity

White

60.2%

Hispanic or Latino

17.5%

Black or African American

10.7%

Asian

7.7%

Unknown

3.9%
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Foreign Languages Spoken

Spanish

66.7%

Portuguese

13.3%

French

13.3%

Vietnamese

6.7%
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Senior Credit And Collections Analyst Education

Schools

University of Phoenix

25.0%

San Jose State University

7.4%

Northeastern University

7.4%

Golden Gate University-San Francisco

5.9%

Ashford University

5.9%

Nichols College

4.4%

Kaplan University

4.4%

Pennsylvania State University

4.4%

Suffolk County Community College

2.9%

University of California - Santa Cruz

2.9%

Southern Methodist University

2.9%

Johnson & Wales University

2.9%

Albertus Magnus College

2.9%

Tennessee State University

2.9%

Franklin University

2.9%

Bergen Community College

2.9%

Framingham State University

2.9%

Sonoma State University

2.9%

Triton College

2.9%

Strayer University

2.9%
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Majors

Business

42.4%

Accounting

17.5%

Finance

9.3%

Management

6.7%

Marketing

3.0%

General Education, Specific Areas

2.2%

Communication

2.2%

Political Science

1.9%

Criminal Justice

1.9%

Psychology

1.5%

Computer Science

1.5%

Medical Technician

1.1%

Legal Research And Advanced Professional Studies

1.1%

Health Care Administration

1.1%

Elementary Education

1.1%

Economics

1.1%

Human Services

1.1%

International Business

1.1%

Legal Support Services

1.1%

Education

1.1%
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Degrees

Bachelors

41.9%

Other

28.8%

Associate

12.1%

Masters

11.8%

Certificate

4.8%

License

0.3%

Diploma

0.3%
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