Credit/collections Specialist

Job Title: Credit and Collections Specialist

Job Description

This role combines business-to-business credit analysis and portfolio-based collections to ensure a high-quality trade accounts receivable portfolio. You will manage a defined customer portfolio, evaluate creditworthiness using multiple data sources, and execute effective collection strategies to maintain strong cash flow and minimize risk. This position offers the opportunity to build a long-term career in a stable organization with a collaborative, high-performing, and fun team culture.

Responsibilities

• Establish and maintain effective credit procedures that support sound lending decisions and minimize risk.
• Review and analyze data from credit reports, credit references, internal payment history, and input from sales personnel to determine appropriate credit terms.
• Evaluate customer creditworthiness and make recommendations or decisions regarding credit limits and terms based on established guidelines.
• Maintain and execute effective collection policies and procedures focused on ensuring the quality of trade accounts receivable.
• Manage a dedicated portfolio of 300–400 business-to-business customers with approximately $5 million in outstanding receivables.
• Monitor accounts receivable aging for the assigned portfolio and take timely action to keep at least 80% of the portfolio current.
• Proactively contact customers within the portfolio via phone and email to resolve past-due balances and secure timely payments.
• Identify, research, and resolve payment discrepancies, short pays, and disputes in collaboration with internal teams and customers.
• Perform basic cash application activities as needed to ensure accurate posting of customer payments.
• Use Word and Excel (including pivot tables and VLOOKUP) to create, update, and interpret reports related to credit, collections, and portfolio performance.
• Apply general accounting knowledge, including understanding debits and credits, to interpret account activity and resolve issues.
• Exercise critical thinking and problem-solving skills to address complex account situations and negotiate payment arrangements.
• Provide professional, responsive customer service to maintain strong relationships while enforcing credit and collection policies.
• Manage workload independently, prioritizing tasks across a large portfolio and meeting deadlines in a high-stress, metric-driven environment.
• Maintain accurate documentation and follow-through on all collection activities, agreements, and customer communications.
• Collaborate closely with team members, sharing best practices and participating in a supportive, team-oriented environment.
• Participate in team competitions and performance-based activities that support engagement and achievement of portfolio metrics.
• Continuously seek opportunities to improve processes, reporting, and portfolio performance in line with team goals.

Essential Skills

• Minimum 2 years of experience in credit, collections, accounts receivable, accounting, or tax, or a related experience, or a relevant college degree with strong interest in long-term growth.
• Experience in business-to-business (B2B) credit and collections or closely related financial roles.
• Demonstrated ability to manage a portfolio of accounts rather than working in a high-volume call center environment.
• Ability to read and interpret credit reports to support credit decisions; no requirement to read full financial statements.
• Proficiency with Microsoft Word and Excel, including the ability to create reports and use pivot tables and VLOOKUP functions.
• General accounting knowledge, including a clear understanding of debits and credits.
• Strong customer service skills, with experience communicating with customers via phone and email.
• Solid business knowledge, including understanding of basic concepts such as interest rates.
• Well-developed critical thinking and problem-solving skills applied to account and credit issues.
• Professional demeanor with the ability to contribute positively to a fun, collaborative team culture.
• Ability to manage oneself independently, including organizing daily work without constant supervision.
• Capacity to handle a high-stress role with competing priorities and performance expectations.
• Strong time management and prioritization skills to effectively oversee a large account portfolio.
• High attention to detail, ensuring accuracy in data, reports, and account follow-up.
• Consistent follow-through on commitments, action items, and customer agreements.
• High level of reliability and commitment to long-term career growth within a single organization.
• High school diploma or equivalent.

Additional Skills & Qualifications

• College degree in business, accounting, finance, or a related field, especially for candidates seeking long-term growth.
• Experience in accounts receivable or accounting roles that involved credit, collections, or cash application responsibilities.
• Comfort working in a metric-driven environment where performance is measured by portfolio currency and other key indicators.
• Ability to build positive relationships with internal teams such as sales and accounting while upholding credit policies.
• Strong interpersonal skills and a personality that fits well with a collaborative, energetic team.
• Interest in growing into senior credit and collections roles or exploring opportunities in other internal teams over time.
• Adaptability to learn through hands-on training, peer support, and shadowing rather than formal classroom programs.

Work Environment

You will work as part of a 15-person credit and collections team that has consistently been a top-performing group for several years. The environment is 100% onsite and offers flexible hours, allowing you to start your day between 7:00 and 9:00 a.m. and finish between 3:30 and 7:00 p.m., depending on your preference and business needs. The team culture is professional yet fun, with friendly competitions based on performance metrics and prizes to recognize success. Group outings and team activities further support a strong sense of camaraderie. Training is hands-on, with extensive peer support and shadowing rather than formal classroom programs, providing practical exposure to the portfolio and systems. The organization is known for its stability and long employee tenures, with an average company tenure of over two decades and an average of five years on this team, and has demonstrated resilience during economic downturns. Benefits include two weeks of vacation, two weeks of sick pay, ten paid holidays, and a comprehensive benefits package including medical, dental, and vision coverage, as well as a 401(k) plan with a 3% match and multiple deductible options. The role involves managing a defined B2B portfolio using standard office technologies and productivity tools, with expectations for professional attire appropriate for an onsite office setting.

Job Type & Location

This is a Contract to Hire position based out of Lincoln, NE.

Pay and Benefits

The pay range for this position is $18.00 - $22.00/hr.

Individual compensation offered for this position within this range will depend on many factors, including qualifications, skills, relevant experience, job knowledge, geographic location, internal equity, and other pertinent job-related factors.

Eligibility requirements apply to some benefits and may depend on your job
classification and length of employment. Benefits are subject to change and may be
subject to specific elections, plan, or program terms. If eligible, the benefits
available for this temporary role may include the following:

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

Workplace Type

This is a fully onsite position in Lincoln,NE.

Application Deadline

This position is anticipated to close on Sep 22, 2026.

About Aston Carter

Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing® Platinum Award winner for both client and talent service.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email [email protected] for other accommodation options.

San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records.

Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools.