Loan Collections Specialist

We are changing FINANCE to finance CHANGE! At  Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos  operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. Join the Movement We’re seeking  driven, mission-aligned  individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. Thrive at Climate First Bank At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Compensation   —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. Health Coverage  —  100% employer-paid for employees; employer contribution for dependents by Us Medical, Dental & Vision Insurance  Health Savings Account (HSA)  Free Telemedicine access via Teladoc   Financial Wellness & Wealth Building 401(k) with 6% Employer Match —  No Vesting Period. Employee Stock Options  Exclusive Employee Banking Perks  0% Financing for Employee Solar Loans  Employee Only Mortgage Product  with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs)  Referral Incentives  Generous Paid Time Off 2–4 Weeks of Vacation  based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time  for all full-time employees. Protection & Peace of Mind Company-Paid Life Insurance  Short- & Long-Term Disability Insurance Voluntary Life, Accident & Critical Illness Coverage   Employee Assistance Program (EAP)  with free counseling, legal, and financial services. Now Hiring: Loan Collections Specialist We’re seeking a  Loan Collections Specialist to take charge of diverse portfolios—from cutting-edge consumer solar loans to high-stake SBA-guaranteed accounts. This remote role is the perfect combination of loan servicing, compliance and effective and strategic borrower engagement. What You’ll Contribute: Compliance Safeguarding Adhere to internal policies and external regulations, including FDCPA, ECOA, and SBA servicing guidelines (SOP 50 57 and SOP 50 10). Maintain diligent documentation of borrower interactions. Participate in periodic audits and reviews to validate compliance and performance. Stay current with regulatory updates and best practices in collections and borrower engagement. Delinquency Solutions Pursue collection efforts timely and strategically. Achieve optimal recovery rates for delinquent accounts in consumer solar, commercial, residential, and SBA-guaranteed loan portfolios. Negotiate payment arrangements and document all communications and outcomes in the loan servicing system. Work with legal and credit teams to prepare accounts for litigation, charge off or SBA guaranty purchase. Monitor trends and recurring issues and recommend process improvements where needed. Borrower Engagement Educate borrowers on loan terms and consequences of non-payment to foster solution-oriented communication with borrowers. Encourage resolution and reduce repeat delinquencies while upholding the Bank’s values and customer service standards. Initiate borrower contact within 5 days of delinquency for consumer solar loans. Issue demand letters and follow-up actions within 48 hours of status change for commercial and residential loans. Champion Our Mission, Protect What Matters Adopt a commitment to environmental, social, economic, and racial justice. Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training. Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations. Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity. What Makes a Stand-Out Candidate: Experience & Education Strong familiarity with FDCPA, ECOA, and SBA servicing guidelines. 3+ years of progressive experience handling Commercial and/ or SBA portfolios preferred. Bilingual (English/Spanish) preferred. Entrepreneurial Self-Starter - You take charge of your work product and take pride in delivering consistently great and measurable results. You run independently by driving collection efforts forward in a high-volume environment. You understand what it takes to bring tasks to completion, can anticipate and mitigate slowdowns