Credit And Collections Specialist

Aston Carter•Holtsville, NY

6d•$47,840 - $52,000•Onsite

About The Position

The Credit and Collections Specialist manages delinquent accounts, evaluates credit applications, and supports the accounts receivable function to ensure timely payments and healthy cash flow. This role combines strong customer communication with analytical review of credit information, requiring meticulous attention to detail and a professional, service-oriented approach. The specialist works closely with a small collections team in a fast-paced environment, supporting a long-established, family-owned business in the professional beauty industry.

Requirements

1–3 years of experience in accounts receivable, credit, or collections.
Strong collections and accounts receivable experience with a proven ability to manage delinquent accounts.
High school diploma or equivalent education.
Strong organizational skills with the ability to manage multiple accounts and tasks simultaneously.
Excellent attention to detail to ensure accuracy in account records, credit documentation, and communications.
Professional and friendly phone presence, with the ability to build rapport and maintain a positive tone.
Strong verbal communication skills for clear, effective conversations with account holders and colleagues.
Excellent written communication skills for composing professional emails and documentation.
Superior follow-up skills with a consistent approach to tracking commitments and completing tasks.
Strong math skills to calculate balances, payment schedules, and credit limits accurately.
Good listening skills to understand customer situations and respond appropriately.
Ability to communicate with account holders in a courteous and respectful manner, even in challenging situations.
Proficiency in Microsoft Office Suite or similar software, including email and basic office applications.
Proficiency in typing, sending emails, and responding to messages in a timely manner.

Nice To Haves

Professional beauty industry background or experience is preferred.
Experience working in a fast-paced customer service or collections environment.
Comfort working with multiple customer service representatives and coordinating efforts across a team.
Strong general computer skills and comfort learning new systems or tools.
Demonstrated ability to work independently while contributing to team objectives.
Commitment to providing exceptional service and maintaining strong client relationships.

Responsibilities

Request and pursue payment on delinquent accounts through courteous and professional communication with account holders.
Follow established credit and collections guidelines to review, update, and maintain accurate account status information.
Maintain detailed logs of payment promises, account notes, and other pertinent account information to ensure accurate records.
Schedule and complete timely follow-up communications with account holders to confirm payment arrangements and status.
Process credit applications and collect additional information from applicants as needed to support credit decisions.
Review credit references by independently validating references provided by applicants or by using a credit reporting service.
Prepare recommendations for increasing or decreasing credit limits based on the account holder’s payment history and credit behavior.
Determine appropriate credit limits for accounts in line with established credit guidelines and company policies.
Consult with the credit manager or other appropriate personnel when client credit requests exceed established guidelines.
Monitor accounts receivable and cash receipt reports to identify issues, trends, and opportunities for improvement.
Support overall accounts receivable functions by assisting with related tasks as needed to ensure timely collection and accurate reporting.
Communicate with account holders in a courteous, professional, and friendly manner to preserve strong business relationships.
Use Microsoft Office and related software tools to manage account information, prepare documentation, and communicate with internal and external stakeholders.
Type and send emails promptly, responding to inquiries and following up on outstanding items in a timely manner.
Collaborate with a small collections team to share information, coordinate efforts, and contribute to team goals in a fast-paced environment.